| 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 210934689 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 13.28% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2330 WEST JOPPA ROAD SUITE 311 LUTHERVILLE, MD 21093 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 7.59% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 3.61% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.82% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY PARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $755 | — | $755 | 2.00% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATEROO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $518 | $64 | $582 | 7.23% |
| SILBERSTEIN INSURANCE GROUP3 | 2330 WEST JOPPA ROAD LUTHERVILLE, MD 21093 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $482 | — | $482 | 5.99% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD PPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $184 | $14 | $198 | 2.46% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $113 | — | $113 | 1.40% |
| SUSAN COOKSEY3 | 5122 PEPPERINT PLACE BRANDYWINE, MD 20613 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $10 | — | $10 | 0.12% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $350K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $38K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $335K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $327K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $327K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $350K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.