| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2330 WEST JOPPA ROAD, SUITE 311 LUTHERVILLE, MD 21093 | AETNA HEALTH, INC. | — | $32K | $32K | 5.55% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | ONE KELLY WAY SPARKS, MD 21152 | AETNA HEALTH, INC. | $5K | — | $5K | 0.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | AETNA HEALTH, INC. | $3K | — | $3K | 0.54% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 11.03% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS. GROUP | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 3.24% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2330 WEST JOPPA ROAD, SUITE 311 LUTHERVILLE, MD 21093 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2330 WEST JOPPA ROAD, SUITE 311 LUTHERVILLE, MD 21093 | AETNA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 7.93% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | ONE KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $468 | — | $468 | 1.08% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE COMPANY | $312 | — | $312 | 0.72% |
| SILBERSTEIN INSURANCE GROUP3 | 2330 WEST JOPPA ROAD, SUITE 311 LUTHERVILLE, MD 21093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 9.66% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $668 | — | $668 | 1.66% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | ONE KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $583 | — | $583 | 1.45% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP, LLC | 1901 RESEARCH BOULEVARD, SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.05% |
| REBECCA MILNER KING3 | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $364 | — | $364 | 2.73% |
| MJ INSURANCE3 Filed as: MOIRA C. WELLER AND VARIOUS AGENTS | 7750 A KEMP LANE FREDERICK, MD 21702 | AFLAC | $222 | — | $222 | 1.67% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D. MORNINGSTAR | 11285 DOVEDALE COURT, 2ND FLOOR MARRIOTTSVILLE, MD 21004 | AFLAC | $173 | — | $173 | 1.30% |
| MELISSA A COHEN3 Filed as: MELISSA A. COHEN | 7909 STEVENSON ROAD PIKESVILLE, MD 21208 | AFLAC | $172 | — | $172 | 1.29% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT, 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $121 | — | $121 | 0.91% |
| GREGORY E KING3 Filed as: GREGORY E. KING | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $82 | — | $82 | 0.62% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M. PINCUS SOKOLOFF | 817 MAIDEN CHOICE LANE, SUITE 340 BALTIMORE, MD 21228 | AFLAC | $80 | — | $80 | 0.60% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 172 | $619K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $40K |
| Vision | AETNA LIFE INSURANCE COMPANY | 127 | $43K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 135 | $89K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 135 | $89K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 135 | $89K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 172 | $619K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 135 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.