| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 4.57% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, LLC | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.89% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| REBECCA MILNER KING3 Filed as: REBECCA KING | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $307 | — | $307 | 2.84% |
| MJ INSURANCE3 Filed as: MOIRA C. WELLER AND VARIOUS AGENTS | 7750 A KEMP LANE FREDERICK, MD 21702 | AFLAC | $187 | — | $187 | 1.73% |
| MELISSA A COHEN3 Filed as: MELISSA COHEN | 7909 STEVENSON ROAD PIKESVILLE, MD 21208 | AFLAC | $146 | — | $146 | 1.35% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D. MORNINGSTAR | 11285 DOVEDALE COURT, 2ND FLOOR MARRIOTTSVILLE, MD 21004 | AFLAC | $123 | — | $123 | 1.14% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT, 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $92 | — | $92 | 0.85% |
| GREGORY E KING3 Filed as: GREGORY E. KING | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $80 | — | $80 | 0.74% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M. PINCUS SOKOLOFF | 817 MAIDEN CHOICE LANE, SUITE 340 BALTIMORE, MD 21228 | AFLAC | $68 | — | $68 | 0.63% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $764 | — | $764 | 7.35% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2330 WEST JOPPA ROAD, SUITE 311 LUTHERWOOD, MD 21093 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.88% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $739K |
| Dental | DOMINION DENTAL SERVICES, INC. | 97 | $67K |
| Vision | VISION SERVICE PLAN | 71 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $91K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $739K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.