| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $0 | $67K | 6.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC | $15K | $2K | $17K | 4.54% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEECRECO RD STE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 18.34% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEECRECO RD STE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 18.31% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEECRECO RD STE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 18.34% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE COMPANY EIN 59-1031071 ADMINISTRATOR | Participant communication; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | — | $50K |
| CIGNA | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 156 | $118K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $34K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 156 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.