Benefits broker of record · LUTHERVILLE, MD
RICHARD SILBERSTEIN
RICHARD SILBERSTEIN of LUTHERVILLE, MD is named as the broker of record on 2 insurance contracts in public Form 5500 Schedule A filings.
Book profile
RICHARD SILBERSTEIN brokers 2 insured contracts for 2 employers, across 2 states, led by MD, VA.
Dental is the largest line (1 contract), followed by life (1).
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA writes the most contracts in the book (2, about 100%).
Renewals concentrate on June 1: 50% of the dated welfare contracts have policy years ending in May, so most of the book comes up for review at once.
Contracts in the book, by the carrier that writes them. Largest first.
Counted by each employer's own state. Largest first.
Contracts by line.
dental 1 · life 1
Welfare contracts, counted by their typical renewal date (the 1st after the policy year ends). Annuity and GIC funding contracts have no renewal.
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Clients on file
| Employer | Location | Carrier | Renews |
|---|---|---|---|
| BREEDEN MECHANICAL, INC. | MANASSAS, VA | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Jun 1FY2025 |
| GAINES AND COMPANY, INC. | REISTERSTOWN, MD | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Jan 1FY2024 |
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule A · each row is that employer’s most recent filing, largest premium first (plan years 2024–2025 on this page)
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