| 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $7K | $36K | 16.53% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC. | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | DELTA DENTAL OF PENNSYLVANIA | $9K | $0 | $9K | 6.98% |
| CHARLES W HARLAN3 Filed as: CHARLES W. HARLAN | 1055 WEST JOPPA ROAD UNIT 719 TOWSON, MD 21204 | AFLAC | $995 | $0 | $995 | 4.25% |
| WILSON K BARNES JR3 Filed as: WILSON K. BARNES JR | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $995 | $0 | $995 | 4.25% |
| KAREN E ALTMIRE3 Filed as: KAREN E. ALTMIRE | 2275 RESEARCH BOULEVARD SUITE 500 ROCKVILLE, MD 20850 | AFLAC | $658 | $0 | $658 | 2.81% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E. ALTMIRE | 25212 CONRAD COURT DAMASCUS, MD 20872 | AFLAC | $514 | $0 | $514 | 2.20% |
| MARK R. KOWALSKI AND OTHER AGENTS3 | 40 ABERRY LANE LACONIA, NH 03246 | AFLAC | $166 | $0 | $166 | 0.71% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $155 | $0 | $155 | 0.66% |
| DIVYA JAIN3 | 14155 NEWBROOK DRIVE SUITE 130 CHANTILLY, VA 20151 | AFLAC | $44 | $0 | $44 | 0.19% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC. | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 68 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 340 | $131K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $219K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $219K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $219K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.