| 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 | $19K | $4K | $24K | 16.35% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $110 | $9K | 7.05% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $3K | $86 | $3K | 5.01% |
| WILSON K BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $3K | $86 | $3K | 4.98% |
| KAREN E ALTMIRE3 | 2276 RESEARCH BOULEVARD SUITE 500 ROCKVILLE, MD 20850 | AFLAC | $1K | — | $1K | 2.73% |
| DANIEL E ALTMIRE3 | 25212 CONRAD COURT DAMASCUS, MD 20872 | AFLAC | $796 | $19 | $815 | 1.56% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $395 | $16 | $411 | 0.79% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $297 | — | $297 | 0.57% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $186 | $34 | $220 | 0.42% |
| CATHLENE H FUNK3 Filed as: CATHLENE F FUNK | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $123 | — | $123 | 0.24% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $75 | — | $75 | 0.14% |
| MARK R KOWALSKI3 | 33 BRYAN COURT GETTSBURG, PA 17325 | AFLAC | $67 | — | $67 | 0.13% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 124 UNDERKE TER HEDGESVILLE, WV 25427 | AFLAC | $37 | — | $37 | 0.07% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $25 | — | $25 | 0.05% |
| GEORGE C MALINKY3 | 7000 NEW ROAD YOUNGSTOWN, OH 44515 | AFLAC | $21 | — | $21 | 0.04% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $18 | — | $18 | 0.03% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $16 | — | $16 | 0.03% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $12 | — | $12 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $10 | — | $10 | 0.02% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $7 | — | $7 | 0.01% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20714 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $5 | — | $5 | 0.01% |
| DREW SKIBITSKY3 | 1000 FELL STREET APT 627 BALTIMORE, MD 21231 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY A MAKOWSKI3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $2 | — | $2 | 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% |
| DEBRA OCONNOR FERNANDEZ3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $185 | $2K | 14.55% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $132K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $16K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 303 | $144K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 303 | $144K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 303 | $144K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 303 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.