| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $1K | $29K | 5.22% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 2.24% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | RELIASTAR LIFE INSURANCE COMPANY | $28K | — | $28K | 6.28% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 9.03% |
| DENNIS T FACIUS3 | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $594 | $2K | 8.23% |
| WILLIAM EDWARD THOMPSON II3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 210311002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $445 | $618 | $1K | 4.60% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD BRIAN SILBERSTEIN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $572 | $83 | $655 | 2.84% |
| J BROOKS BRADLEY3 Filed as: J. BROOKS BRADLEY | 10518 POT SPRING ROAD COCKEYSVILLE, MD 210303042 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $157 | — | $157 | 0.68% |
| ANDREW L MOORE3 | 4695 MACARTHUR COURT SUITE 1000 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $40 | $40 | 0.17% |
| TIESHA ELEY3 | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.12% |
| JAMES LAURO3 Filed as: JAMES F. CHAPEL JR. | 4675 MACARTHUR COURT NEWPORT BEACH, CA 926608803 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Claims processing Service code 12 | — | $2.7M |
| SILBERSTEIN INSURANCE GROUP EIN 52-2132804 NONE | Contract Administrator Service code 13 | — | $63K |
| HEALTHSPARQ EIN 35-2486216 NONE | Claims processing Service code 12 | — | $24K |
| CONIFER EIN 52-1964905 NONE | Claims processing Service code 12 | — | $11K |
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 | 1,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 973 | $550K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 741 | $107K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,096 | $445K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,096 | $468K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,096 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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.