| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $3K | $48K | 4.42% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.39% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $723 | $723 | 0.73% |
| MARK D STONER3 Filed as: MARK D. STONER | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $531 | $0 | $531 | 4.06% |
| MJ INSURANCE3 Filed as: DAVID MORNINGSTAR & VARIOUS AGENTS | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $209 | $0 | $209 | 1.60% |
| MARCI COHEN3 | 1155 SHORTLEAF CIRCLE SYKESVILLE, MD 21784 | AFLAC | $180 | $0 | $180 | 1.38% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD B. SILBERTEIN | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | AFLAC | $165 | $0 | $165 | 1.26% |
| JULIA WYNKOOP3 Filed as: JULIA E. WYNKOOP | 12685 AMBERLEIGH LANE LA PLATA, MD 20646 | AFLAC | $88 | $0 | $88 | 0.67% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $83 | $0 | $83 | 0.63% |
| BRYANN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $74 | $0 | $74 | 0.57% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $112K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $112K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $98K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.