| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $1K | $20K | 14.14% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.13% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $3K | $38 | $3K | 5.16% |
| WILSON K BARNES JR3 | 2448 DIXIE LANE FOREST HILL, MD 21050 | AFLAC | $3K | $38 | $3K | 5.14% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $2K | — | $2K | 3.25% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $715 | $6 | $721 | 1.25% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $489 | $8 | $497 | 0.86% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 22104 | AFLAC | $379 | — | $379 | 0.66% |
| ARON D TERAN3 | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $128 | $15 | $143 | 0.25% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $76 | — | $76 | 0.13% |
| MARK R KOWALSKI3 | 33 BRYAN COURT GETTSBURG, PA 17325 | AFLAC | $61 | — | $61 | 0.11% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $50 | — | $50 | 0.09% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $42 | — | $42 | 0.07% |
| CAROLE N BOSTICK3 | 6677 QUERCUS DRIVE HEBRON, MD 21830 | AFLAC | $25 | — | $25 | 0.04% |
| THOMAS J POPPERT3 Filed as: THOMAS M SOBIESKI | 1304 MANCHESTER COURT MURRELLS INLET, SC 29576 | AFLAC | $14 | — | $14 | 0.02% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20714 | AFLAC | $13 | — | $13 | 0.02% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $11 | — | $11 | 0.02% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $8 | — | $8 | 0.01% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $7 | — | $7 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODINE AVENUE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.01% |
| JESSICA L PORTER3 | PO BOX 527 WILLIAMSPORT, MD 21795 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY D HILL3 | 16142 SHALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BLATIMORE, MD 21209 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $104K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 146 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 272 | $140K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 272 | $140K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 272 | $140K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 272 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.