| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 8.77% |
| CFA LLC3 | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 3.17% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CAREFIRST OF MARYLAND, INC. | $6K | $545 | $6K | 10.02% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER AND STROHL ADMINISTRATIVE SE | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | — | $4K | $4K | 5.67% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $373 | $6K | 11.20% |
| CENERSTONE INSURANCE & FINANC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.71% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST OF MARYLAND, INC. | 71 | $63K |
| Vision | CAREFIRST OF MARYLAND, INC. | 71 | $63K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $50K |
| Prescription drug | RXBENEFITS, INC. | 152 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 63 | $318K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.