| 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 | $9K | $548 | $10K | 7.37% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP INC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $2K | $11 | $2K | 4.08% |
| WILSON K BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $2K | $11 | $2K | 4.04% |
| KAREN E ALTMIRE3 | 2275 RESEARCH BOULEVARD SUITE 500 ROCKVILLE, MD 20850 | AFLAC | $1K | — | $1K | 2.78% |
| DANIEL E ALTMIRE3 | 25212 CONRAD COURT DAMASCUS, MD 20872 | AFLAC | $880 | $5 | $885 | 2.01% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $260 | — | $260 | 0.59% |
| CATHLENE H FUNK3 Filed as: CATHLENE F FUNK | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $108 | — | $108 | 0.25% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22033 | AFLAC | $69 | $4 | $73 | 0.17% |
| MARK R KOWALSKI3 | 33 BRYAN COURT GETTSBURG, PA 17325 | AFLAC | $67 | — | $67 | 0.15% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $65 | — | $65 | 0.15% |
| GEORGE BELCHER3 Filed as: GEORGE M BELCHER | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $38 | — | $38 | 0.09% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 124 UNDERKE TER HEDGESVILLE, WV 25427 | AFLAC | $37 | — | $37 | 0.08% |
| GEORGE C MALINKY3 | 7000 NEW ROAD YOUNGSTOWN, OH 44515 | AFLAC | $21 | — | $21 | 0.05% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $18 | — | $18 | 0.04% |
| ARON D TERAN3 | 3812 CARRIAGE HILL DRIVE FREDERICK, MD 21704 | AFLAC | $17 | — | $17 | 0.04% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $14 | — | $14 | 0.03% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $12 | — | $12 | 0.03% |
| MARY L SIMMONS3 | 84 BREEZEWOOD DRIVE STAUNTON, VA 24401 | AFLAC | $10 | — | $10 | 0.02% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $9 | — | $9 | 0.02% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $9 | — | $9 | 0.02% |
| KATHRYN G KEMPTON3 | 837 RIFES FORD ROAD VERONA, VA 24482 | AFLAC | $8 | — | $8 | 0.02% |
| TWILA D SHOWALTER3 | 2515 E MARKET STREET SUITE E HARRISONBURG, VA 22801 | AFLAC | $8 | — | $8 | 0.02% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $7 | — | $7 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 13618 LANGFORD DRIVE MIDLOTHIAN, VA 23113 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES A TAFT JR3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $5 | — | $5 | 0.01% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $4 | — | $4 | 0.01% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE COURT GORDONSVILLE, VA 22942 | AFLAC | $3 | — | $3 | 0.01% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $3 | — | $3 | 0.01% |
| LARRY W SHOWALTER3 | 2515 E MARKET STREET SUITE E HARRISONBURG, VA 22801 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY A MAKOWSKI3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN V MEYER JR LLC3 Filed as: JOHN V MEYERS JR LLC | 315 N SANDSTONE LANE BRIDGEWATER, VA 22812 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BOULEVARD ESTERO, FL 33928 | AFLAC | $2 | — | $2 | 0.00% |
| LYNNE M WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $2 | — | $2 | 0.00% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | 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% |
| BONNIE L TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $1 | — | $1 | 0.00% |
| JUDIH ANN HARRIS3 | 1883 BROOKSTONE ROAD LURAY, VA 22835 | AFLAC | $1 | — | $1 | 0.00% |
| DUANE A ADAMS3 Filed as: DUANE A ADMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $130K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 630 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $96K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $48K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.