| 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 | $55K | — | $55K | 4.20% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.38% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, HI 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $481 | $481 | 1.35% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.11% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, HI 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $219 | $219 | 0.91% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, HI 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $265 | $265 | 1.31% |
| MARK D STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $693 | $0 | $693 | 4.98% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD B SILBERSTEIN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | AFLAC | $360 | $0 | $360 | 2.59% |
| VARIOUS3 | 9426 FERRY LANDING COURT ALEXANDRIA, VA 22309 | AFLAC | $209 | $0 | $209 | 1.50% |
| MARCI COHEN | 1155 SHORTLEAF CIRCLE SYKESVILLE, MD 21784 | AFLAC | $195 | $0 | $195 | 1.40% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $91 | $0 | $91 | 0.65% |
| JULIA WYNKOOP3 Filed as: JULIA E WYNKOOP | 12685 AMBERLEIGH LANE LA PLATA, MD 20646 | AFLAC | $88 | $0 | $88 | 0.63% |
| SHEM J BOSTICK3 | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $83 | $0 | $83 | 0.60% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $975 | $0 | $975 | 10.51% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, HI 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $130 | $130 | 1.40% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $655 | $0 | $655 | 15.01% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, HI 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $68 | $68 | 1.56% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $43K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $24K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $1.3M |
| Other(3 contracts, 2 carriers) | AFLAC | 137 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.