| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SYMETRA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 14.28% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 9.05% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $3K | $85 | $3K | 5.50% |
| WILSON K BARNES JR3 | 4 SAINT ICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $3K | $85 | $3K | 5.48% |
| KAREN E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $2K | — | $2K | 3.00% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $1K | $34 | $1K | 2.31% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 22104 | AFLAC | $367 | — | $367 | 0.61% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $161 | — | $161 | 0.27% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 124 UNDERKE TER HEDGESVILLE, WV 25427 | AFLAC | $120 | $25 | $145 | 0.24% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $92 | — | $92 | 0.15% |
| MARK R KOWALSKI3 | 33 BRYAN COURT GETTSBURG, PA 17325 | AFLAC | $67 | — | $67 | 0.11% |
| ARON D TERAN3 | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $52 | $9 | $61 | 0.10% |
| CAROLE N BOSTICK3 | 6677 QUERCUS DRIVE HEBRON, MD 21830 | AFLAC | $27 | — | $27 | 0.04% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $18 | — | $18 | 0.03% |
| THOMAS J POPPERT3 Filed as: THOMAS M SOBIESKI | 1304 MANCHESTER COURT MURRELLS INLET, SC 29576 | AFLAC | $15 | — | $15 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $13 | — | $13 | 0.02% |
| FRANCES SHAFFER3 | 14025 TOWER ROAD SMITHBURG, MD 21783 | AFLAC | $12 | — | $12 | 0.02% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20714 | AFLAC | $12 | — | $12 | 0.02% |
| SHEM J BOSTICK3 | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODINE AVENUE TOWSON, MD 21204 | AFLAC | $5 | — | $5 | 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% |
| MICHAEL BENDER3 | 1803 RESEARCH BOULVARD SUITE 400 ROCKVILLE, MD 20850 | AFLAC | $1 | — | $1 | 0.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE 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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $101K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $17K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 276 | $134K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 276 | $134K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 276 | $134K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 276 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.