| 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 | $37K | $0 | $37K | 5.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $1K | $17K | 2.28% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $18K | 18.25% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INS. GROUP, INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.52% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.79% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | DOMINION NATIONAL | $4K | $0 | $4K | 7.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $727 | $0 | $727 | 6.27% |
| REBECCA MILNER KING3 | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $264 | $0 | $264 | 3.06% |
| MJ INSURANCE3 Filed as: MOIRA C WELLER AND VARIOUS AGENTS | 7750 A KEMP LANE FREDERICK, MD 21702 | AFLAC | $186 | $0 | $186 | 2.15% |
| MELISSA A COHEN3 | 7909 STEVENSON ROAD PIKESVILLE, MD 21208 | AFLAC | $109 | $0 | $109 | 1.26% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $91 | $0 | $91 | 1.05% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $69 | $0 | $69 | 0.80% |
| JOSHUA M PINCUS SOKOLOFF3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21706 | AFLAC | $68 | $0 | $68 | 0.79% |
| GREGORY E KING3 | 3402 WOODVALLEY DRIVE PIKESVILLE, MD 21208 | AFLAC | $55 | $0 | $55 | 0.64% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2330 WEST JOPPA ROAD SUITE 311 LUTHERVILLE, MD 21093 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 25.92% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $746K |
| Dental | DOMINION NATIONAL | 99 | $56K |
| Vision | VISION SERVICE PLAN | 82 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $96K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $96K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $746K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.