| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES, INC. | 9690 DEERACO RD SUITE 650 TIMONIUM, MD 21093 | CAREFIRST BLUE CHOICE | $76K | $7K | $83K | 5.47% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES, INC. | 9690 DEERACO RD SUITE 650 TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $2K | $56K | 19.75% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: THE L WARNER COMPANIES, INC. | 9690 DEERACO RD SUITE 650 TIMONIUM, MD 21093 | DOMINION NATIONAL | $6K | $0 | $6K | 6.60% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 125 | $1.5M |
| Dental | DOMINION NATIONAL | 161 | $86K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $285K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $285K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $285K |
| Prescription drug | CAREFIRST BLUE CHOICE | 125 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.