Dental practices in Maryland
PlanOptica tracks 8 health and welfare plans sponsored by 8 dental practices in Maryland, covering 230 participants and $1.9M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 12 participants, and the most common size is under 100 participants (88% of plans). Most of these plans are self-funded or mixed (75%), so stop-loss and TPA relationships matter as much as the medical carrier.
Unitedhealthcare Insurance Company dominates premium with a 91% share, followed by Principal Life Insurance Company at 4%. Hub International Mid-Atlantic Inc is the broker of record on 1 plan, more than any other firm, ahead of Kelly & Assoc Insurance Group Inc (1). 13% of plans report broker compensation on Schedule A; the median brokered plan pays $105K a year, about 5.4% of premium. Baltimore, Frederick and Hagerstown have the most plans.
Funding mix
- Self-funded6 · 75%
- Fully insured1 · 13%
- Unknown1 · 13%
Plan size (participants)
- Under 1007 · 88%
- 100 to 2491 · 13%
- 250 to 4990 · 0%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 12 participants. Median broker comp: 5.4% of premium across 1 brokered plans.
Top carriers, dental, Maryland
Top brokers, dental, Maryland
Largest dental practices in Maryland
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| U.M. FDSP Associates, P.A U. M. FDSP Associates, P. A. Health and Welfare Benefit PlanAll plans | Baltimore | Fully insured | 130 | $1.9M | Unitedhealthcare Insurance Company |
| Toothman Orthodontics, PA Toothman Orthodontics, PA Retirement PlanAll plans | Hagerstown | Self-funded | 29 | - | - |
| Zupnik, Chen, Yen & Wong, D.D.S., P.A Zupnik, Chen, & Yen, D.D.S., P.A 401(k) Profit Sharing Plan and TrustAll plans | Bethesda | Self-funded | 26 | - | - |
| Dental Arts of Frederick Dental Arts of Frederick 401(k) Profit Sharing PlanAll plans | Frederick | Self-funded | 14 | - | - |
| Dr. Sivakumar Pediatric Dental Center Dr. Sivakumar Pediatric Dental Center Defined Benefit PlanAll plans | Frederick | Self-funded | 10 | - | - |
| M & R Dental Associates, LLC M & R Dental Associates, LLC Kepgh PlanAll plans | Silver Spring | Unknown | 9 | - | - |
| Franklin Family Dental Care, LLC Franklin Family Dental Care Defined Benefit PlanAll plans | Baltimore | Self-funded | 7 | - | - |
| Dong S. Lee DMD, LLC Dong S. Lee DMD, LLC Cash Balance PlanAll plans | Owings Mills | Self-funded | 5 | - | - |
Plans by city in Maryland
Frequently asked questions
How many dental practices in Maryland offer an ERISA health plan?
8 health and welfare plans from 8 dental practices in Maryland appear in plan year 2024 to 2025 filings on Form 5500, covering 230 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most dental practices in Maryland?
By Schedule A premium: Unitedhealthcare Insurance Company (91% of premium, 1 plan), Principal Life Insurance Company (4% of premium, 1 plan) and Carefirst of Maryland, Inc (4% of premium, 1 plan).
Which benefits brokers work with dental practices in Maryland?
By number of client plans: Hub International Mid-Atlantic Inc (1 plan), Kelly & Assoc Insurance Group Inc (1 plan) and Franklin Financial Group LLC (1 plan). 13% of plans report a broker.
How much do brokers earn on dental practices health plans in Maryland?
The median brokered plan reports $105K a year in broker commissions and fees, or 5.4% of premium. Figures come from Schedule A, Part I.
Are dental practices health plans in Maryland self-funded or fully insured?
Self-funded 75%, fully insured 13% and unknown 13%. Self-funded and mixed plans together make up 75%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery.
Prospect dental practices in Maryland
Open the welfare search with Maryland and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Dental in nearby states
Other healthcare specialties in Maryland
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery. Location is the sponsor's filing address in Maryland.