| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 5.19% |
| GCG FINANCIAL LLC3 Filed as: AVON DIXON, AN ALERA GROUP AGENCY | 28464 MARLBORO AVE STE 200 EASTON, MD 21601 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 4.31% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 301 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 1.86% |
| AVON DIXON AGENCY LLC3 Filed as: AVON DIXON AGENCY | 28640 MARYS COURT, SUITE 100 EASTON, MD 21601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 19.54% |
| QSMR INC3 | QSMR 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 211082542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 12.28% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD BRIAN SILBERSTEIN | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 212093875 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 8.10% |
| GCG FINANCIAL LLC3 Filed as: AVON DIXON, AN ALERA GROUP AGENCY, | 28464 MARLBORO AVE STE 200 EASTON, MD 216012732 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.16% |
| MATTHEW W EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 211464503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $698 | $0 | $698 | 0.56% |
| DREW SKIBITSKY3 | 11285 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453 | $0 | $453 | 0.36% |
| SUSAN RUSSELL3 Filed as: SUSAN ELIZABETH RUSSELL | 340 SOMERSET RD PASADENA, MD 211225140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | $0 | $132 | 0.11% |
| GLENDA BARRETT3 | 305 MARTINS COVE ROAD ANNAPOLIS, MD 21409 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.10% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIR APT 221 HANOVER, MD 210765015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.10% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DR, STE 303 BALTIMORE, MD 21209 | TRUSTMARK INSURANCE COMPANY | $15K | $0 | $15K | 18.12% |
| DAJOMA LLC3 | 8370 VETERANS HIGHWAY, STE 101 MILLERSVILLE, MD 21108 | TRUSTMARK INSURANCE COMPANY | $14K | $0 | $14K | 16.78% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY, STE 101 MILLERSVILLE, MD 21108 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 1.34% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 918 RUSSELL DR. LEBANON, PA 17042 | GUARDIAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 7.29% |
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 | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 473 | $61K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 578 | $413K |
| Long-term disability | STANDARD INSURANCE COMPANY | 578 | $328K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 900 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.