| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO RD, STE 650 TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $31K | 7.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $15K | 3.72% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES, INC. | 9690 DEERECO RD, SUITE 650 TIMONIUM, MD 21093 | AMERICAN HERITAGE LIFE | $9K | — | $9K | 8.05% |
| WEALTH PRESERVATION INC3 Filed as: WEALTH PRESERVATION, INC. | 9515 DEERECO RD, SUITE 310 TIMONIUM, MD 21093 | AMERICAN HERITAGE LIFE | $3K | — | $3K | 2.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 123042 DALLAS, TX 75312 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.32% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO RD, STE 650 TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $382 | $5K | 8.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $273 | $2K | 2.62% |
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 | 1,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 972 | $64K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,076 | $585K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,076 | $405K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,076 | $405K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,076 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.