| 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 | $19K | $5K | $24K | 2.69% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 1.17% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | — | $37K | 4.91% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 1.10% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD BRIAN SILBERSTEIN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| WILLIAM EDWARD THOMPSON II3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $782 | $636 | $1K | 4.47% |
| DENNIS T FACIUS3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $46 | $1K | 3.91% |
| J BROOKS BRADLEY3 | 10518 POT SPRING ROAD COCKEYSVILLE, MD 21030 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNLIFE FINANCIAL EIN 38-1082080 NONE | Contract Administrator Service code 13 | — | $2.4M |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $546K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Insurance agents and brokers Service code 22 | — | $17K |
| HEALTHSPARQ EIN 35-2486216 NONE | Contract Administrator Service code 13 | — | $8K |
| SILBERSTEIN INSURANCE GROUP EIN 52-2132804 NONE | Insurance agents and brokers Service code 22 | — | $8K |
| CONIFER VALUE BASE CARE EIN 52-1964905 NONE | Contract Administrator Service code 13 | — | $4K |
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 | 1,190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,231 | $886K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,231 | $886K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,378 | $754K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,378 | $785K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,378 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.