| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC (THE) | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | $1K | $10K | 4.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC. | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.95% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 18.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO ROAD TIMONIUM, MD 21093 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 5500 CHEROKEE AVENUE RUTHERFOORD DIVISION, #300 ALEXANDRIA, VA 22312 | FEDERAL INSURANCE COMPANY | $992 | — | $992 | 15.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC. | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $148 | — | $148 | 10.02% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 30 | $348K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $151K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $35K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.