| 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 | $33K | $3K | $36K | 5.42% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 2.22% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $44K | $16K | $59K | 9.08% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $948 | $14K | 10.72% |
| EDWARD IRA WIGHT3 Filed as: EDWARD WILLIAM TOMPSON II | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $625 | $4K | $5K | 15.02% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: BRIAN RICHARD SILBERSTEIN | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $4K | — | $4K | 13.89% |
| DENNIS T FACIUS3 | 2850 QUARRY LAKE DRIVE BALTIORE, MD 21209 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $3K | $1K | $4K | 13.88% |
| J BROOKS BRADLEY3 Filed as: BROOKS J BRADLEY | 10518 POT SPRING ROAD COCKEYSVILLE, MD 21030 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $66 | — | $66 | 0.22% |
| JAMES LAURO3 Filed as: JAMES F CHAPEL JR | 120 NEWPORT CENTER DRIVE NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $3.1M |
| CONIFER HEALTH EIN 23-1728483 NONE | Contract Administrator Service code 13 | — | $0 |
| HEALTHSPARQ EIN 35-2486216 NONE | Contract Administrator Service code 13 | — | $0 |
| SILBERSTEIN INSURANCE GROUP EIN 52-2132804 NONE | Insurance agents and brokers Service code 22 | — | $0 |
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 | 1,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,001 | $669K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 874 | $131K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,314 | $656K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,314 | $686K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,314 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,314 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.