Baltimore, MD

    About Us

    Since 1999, SIG, an employee benefits firm, has been dedicated to partnering with our clients and providing exceptional customer service. The inspirational basis for our operating business principles is: “If you take care of Baltimore, Baltimore will take care of you.” This philosophy has instilled itself in our culture and practice of all employees. SIG has years of industry experience, which has given us an edge over the competition in the vast wealth of knowledge and resources we have gathered. Our employees are passionate about helping and forming long-lasting relationships with others, and when you partner with us, we become a true extension of your company.

    In 2017, SIG and 23 other like- minded, entrepreneurial firms came together to form Alera Group. Since then, Alera Group has grown to become the 11th largest independent insurance and financial services firm in the nation with over 4,000 employees, 180 firms, and thousands of clients across the country.

    In 2023, we officially began embracing the Alera Group brand. What remains consistent is holding our clients at the core of our business; we focus on bringing personalized solutions, expanding our capabilities, and deepening our resources nationally.


    We go the extra mile to help navigate the healthcare system and marketplace for our clients in order to advise them on the creation of comprehensive benefits plans that align with their core values to maximize their investment while controlling their costs. Our team-oriented approach allows us to become an extension of our clients’ HR departments. Through our vast knowledge and resource base, we keep our clients educated and well informed with the ever-changing healthcare regulations and marketplace.

    Core Values

    In order to create the organizational culture we desire, we embrace and embody the following core values:

    • Partnership
    • Integrity
    • Creativity
    • Flexibility
    • Passion
    • Collaboration
    • Excellence

    Meet Our Team

    People you can count on. People you can trust.


    Managing Director, Mid-Atlantic

    Richard Silberstein is the Managing Director of the Mid-Atlantic region. An employee benefits industry veteran, Richard founded SIG, now Alera Group, in 1999 to offer personalized, innovative, and cost-effective employee benefit solutions that meet the unique insurance needs of each of the firm’s clients. Under Richard’s strategic direction, the firm has steadily grown to become one of the leading employee benefits brokers and consultants in the country. With a team of highly skilled, licensed brokers and support staff, the firm serves more than 400 corporate clients in 45 states. Richard is a founding member of Alera Group, a firm that was formed in 2017 with 23 other like-minded, high-performing independent firms across the United States that is now the nation’s foremost independent insurance agencies.

    Richard began his career in the insurance industry in 1981. In 1984, he joined Franklin/Morris Associates, Inc. He holds a Bachelor of Arts degree in Economics from Washington and Lee University and earned the CLU (Chartered Life Underwriter), ChFC (Chartered Financial Consultant) and RHU (Registered Health Underwriter) designations from the American College.

    Richard is active in both his business and local communities. He serves on the Advisory Boards of Regional and National health plans to provide input for product and service offerings. He leads the East Region of Alera Group as well as the Benefit Advisors Network’s (BAN) Data Analytics Peer Group and is a member of BAN’s Marketing Peer Group. He is a member and past president of the Baltimore Estate Planning Council; member of the Board of Directors for Lexington National Insurance Company; past president of the Baltimore Chapter of the Society of Finance Professionals; past president of the McDonogh School Alumni Association and a member of the Board of Trustees of McDonogh School. Richard is also very active with the SIG Community Service Committee and enjoys working with area nonprofits including Living Classrooms, American Heart Association, South Baltimore Learning Center, Blankets for Baltimore, and many others.

    Franco Acosta

    Account Coordinator
    Franco Acosta

    Franco joined the firm in February 2020 as an Account Coordinator. In his role, he assists Account managers with managing benefit services for their clients. He provides assistance with renewals, claim issues and day-to-day support. Prior to being an Account Coordinator, he has experience working in Human Resources departments with benefits, employee relations and onboarding/offboarding. He holds a Bachelor of Science degree in Psychology from George Mason University.

    Jillian Albert

    Vice President
    Jillian Albert

    As a Vice President, Jillian provides strategic account development and support for large fully insured and self-funded clients. Jillian ensures retention of clients by establishing strong relationships and managing daily communications. She is involved with the preparation of detailed plan design analysis, negotiating renewals, implementation and compliance. She manages internal and external resources to assist with client needs.

    Jillian also manages a professional team that focuses primarily on large regional and national accounts. She joined the firm in 2004 and has been in the industry since 2000. She holds her Life and Health license.

    Tracy Alt

    Tracy Alt

    Tracy joined the firm in 1997 and is an Associate. Tracy is responsible for meeting the life, disability, and long term care needs of high net worth individuals, doctors and business owners, including estate and business planning. She also focuses on client needs from referrals by her financial planner, attorney, and CPA contacts. Tracy entered the industry in 1991 and holds a Life and Health license.

    Community Service

    Paying it Forward is a core component at our firm. Our culture thrives on community involvement where we proudly support our clients, employees and the communities in which we live and work.

    We empower our employees to “pay it forward” by fostering a sense of purpose and providing opportunities for impact in our community. One way we do this is by supporting causes and initiatives proposed by our team and providing opportunities to serve the

    We empower our employees to “pay it forward” by fostering a sense of purpose and providing opportunities for impact in our community. One way we do this is by supporting causes and initiatives proposed by our team and providing opportunities to serve the wider world. We believe having a culture that encourages serving and giving is a significant contributor to life and career fulfillment, which enhances our overall wellbeing. With the help from our Culture Committee, we have the opportunity to serve our community together with multiple planned events each year.

    Photo of SIG team

    We strive to creating lasting relationships with our clients. We are proud to support our clients and friends of the firm in their mission and their organizations that help create meaningful, lasting change in our community. Interested in us serving your

    We strive to creating lasting relationships with our clients. We are proud to support our clients and friends of the firm in their mission and their organizations that help create meaningful, lasting change in our community.

    Interested in us serving your non-profit or organization? Reach out and let us know! Email us here

    SIG during christmas


    Events and Webinars

    Employee Benefits

    Driving Communications and Engagement: Open Enrollment

    Our experts will walk you through a strategic planning process to make sure you’re sharing in a way that not only drives employee awareness and engagement but also reaches your workforce across platforms with what they need to know about choosing the right benefits for them and their families. 

    August 15, 2024 at 01:00 pm CT | Virtual

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    Alera Engage - Webinar

    Employee Benefits

    Q3 Compliance Update

    Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.

    September 3, 2024 at 01:00 pm CT | Virtual

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    Webinar graphic - Alera Engage

    Employee Benefits

    Collaborative Conversations: 2025 - What to Expect and What You Need to Know

    Save the date for a conversation in September where we will discuss the impending PLO changes by BOLI and the Employment Department, their impacts, and other critical considerations.

    September 12, 2024 at 08:30 am PT | Virtual

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    Image that reads webinar



    Employee Benefits

    Benefits Benchmarking Webinar: What To Do With the Data

    If you’re designing your company’s employee benefits program, you want to know what your peers and competitors are offering. Employee retention and talent acquisition are largely dependent on whether you offer a benefits package that meets or exceeds the standards of your industry, location and company size while managing costs in an increasingly expensive market for healthcare and pharmaceuticals. That’s why Alera Group places a high priority on using benchmarking data and analysis to inform and otherwise serve our clients.

    July 1, 2024

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    Employee Benefits

    How To Lower Healthcare Costs While Improving Benefit Offerings

    Join us on June 20 for a one-hour webinar designed to help you eliminate wasteful healthcare spending while providing your employees with benefits that attract and retain talent. We’ll take you through our three-step solution.

    June 11, 2024

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    Employee Benefits

    Legal Alert: PCORI Fees Due by July 31, 2024

    Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind the upcoming July 31, 2024, deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI) via Form 720, which was recently updated and released by the IRS.

    June 7, 2024

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    Employee Benefits

    Legal Alert: CMS Redesigns the Medicare Part D Prescription Drug Program Beginning in 2025

    As a result of the changes to Medicare Part D under §11201 of the Inflation Reduction Act of 2022, on April 1, 2024, CMS released Final Redesign Program Instructions (“Final Program Instructions”) for the Medicare Part D prescription drug program, which are effective starting in 2025.

    May 30, 2024

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