| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $13K | $104K | $117K | 3.08% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $9K | $75K | $84K | 2.21% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES, INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $29K | $5K | $34K | 4.68% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $10K | — | $10K | 1.39% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERCO ROAD SUITE 650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | — | $49K | 12.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 6.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERCO ROAD SUITE 650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 12.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 6.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERCO ROAD SUITE 650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 11.96% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.46% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO RAOD SUITE 650 TIMONIUM, MD 21093 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $2K | — | $2K | 5.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $1K | — | $1K | 4.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $10K | $6K | $15K | 72.89% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $2K | — | $2K | 11.62% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $4K | $5K | $10K | 58.52% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $1K | $4K | $6K | 130.19% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $405 | — | $405 | 9.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $25 | — | $25 | 5.69% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $19 | — | $19 | 4.33% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $14 | — | $14 | 5.58% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $11 | — | $11 | 4.38% |
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 | 2,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 416 | $4.5M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 416 | $3.8M |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 416 | $3.8M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,219 | $114K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 756 | $403K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 756 | $156K |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 2,219 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,219 | — |
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.