| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DR SUITE 303 BALTIMORE, MD 21209 | CAREFIRST BLUECHOICE | — | $85K | $85K | 5.03% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE | — | $24K | $24K | 1.40% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $6K | $17K | 22.00% |
| PSA FINANCIAL, INC.3 Filed as: PSA INSUARNCE & FINANCIAL PTNRS LLC | 11311 MCCORMICK RD #500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.63% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $14K | 22.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINANCIAL PTNRS LLC | 11311 MCCORMICK RD #500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $11K | 22.24% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FNCL PTNRS LLC | 11311 MCCORMICK RD #500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.25% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 16.53% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FNCL PTRNS LLC | 11311 MCCORMICK RD #500 HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.05% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $866 | — | $866 | 5.33% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 211529484 | VISION SERVICE PLAN | $663 | — | $663 | 4.08% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | 2330 WEST JOPPA RD #311 LUTHERVILLE, MD 21093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $797 | $4K | 30.93% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.03% |
| CRAWFORD ASSOCIATES, INC.3 Filed as: CRAWFORD ASSOCIATES INC | 1355 PICCARD DRIVE SUITE 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 0.25% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 246 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $14K |
| Vision | VISION SERVICE PLAN | 119 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $93K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $62K |
| Prescription drug | CAREFIRST BLUECHOICE | 246 | $1.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.