| 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 | $37K | $249 | $37K | 4.99% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 1.80% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 6.51% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $1K | $17K | 14.34% |
| WILLIAM EDWARD THOMPSON II3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $823 | $2K | 6.81% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD BRIAN SILBERSTEIN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| DENNIS T FACIUS3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.79% |
| J BROOKS BRADLEY3 | 10518 POT SPRING ROAD COCKEYSVILLE, MD 21030 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| TIESHA ELEY3 | 111 SOUTH CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| JAMES LAURO3 Filed as: JAMES F CHAPEL JR | 120 NEWPORT CENTER DRIVE NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $6.3M |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,148 | $752K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,902 | $116K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,413 | $708K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,413 | $743K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,413 | $708K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,902 | — |
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.