| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | UNKNOWN BALTIMORE, MD 21237 | DELTA DENTAL OF PENNSYLVANIA | $10K | $0 | $10K | 7.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 20.05% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $818 | $818 | 0.66% |
| CHARLES W HARLAN3 Filed as: CHARLES W. HARLAN | 1055 WEST JOPPA ROAD, UNIT 719 TOWSON, MD 21204 | AFLAC | $1K | $0 | $1K | 4.07% |
| WILSON K BARNES JR3 Filed as: WILSON K. BARNES JR | 4 SAINT MICHAELS WAY BALIMORE, MD 21212 | AFLAC | $1K | $0 | $1K | 4.07% |
| KAREN E ALTMIRE3 Filed as: KAREN E. ALTMIRE | 2275 RESEARCH BOULEVARD, SUITE 500 ROCKVILLE, MD 20850 | AFLAC | $775 | $0 | $775 | 2.80% |
| DANIEL E ALTMIRE3 Filed as: DANIEL E. ALTMIRE | 25212 CONRAD COURT DAMASCUS, MD 20872 | AFLAC | $564 | $0 | $564 | 2.03% |
| MARK R. KOWALSKI AND OTHER AGENTS3 | 33 BRYAN COURT GETTYSBURG, PA 17325 | AFLAC | $290 | $0 | $290 | 1.05% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $172 | $0 | $172 | 0.62% |
| CATHLENE H FUNK3 Filed as: CATHLENE H. FUNK | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $75 | $0 | $75 | 0.27% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 11.00% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 358 | $139K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $125K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $125K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $125K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.