| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES, INC | 9690 DEERECO ROAD, SUITE 650 TIMONIUM, MD 21093 | HARTFORD LIFE & ACCIDENT | $195K | — | $195K | 8.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE & ACCIDENT | $23K | — | $23K | 1.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANY, INC | 9690 DEERECO ROAD, SUITE 650 TIMONIUM, MD 210936929 | VISION SERVICE PLAN | $38K | — | $38K | 9.13% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES, INC | 9690 DEERECO RD, SUITE 650 TIMONIUM, MD 21093 | HARTFORD LIFE & ACCIDENT | $8K | — | $8K | 8.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE & ACCIDENT | $2K | — | $2K | 1.67% |
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 | 2,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 126 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,899 | $419K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 3,750 | $2.2M |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 3,750 | $2.2M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 3,750 | $2.2M |
| Other | HARTFORD LIFE & ACCIDENT | 3,310 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,750 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.