| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $25K | $26K | 5.45% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $254 | $23 | $277 | 2.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | $21 | $225 | 1.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $741 | — | $741 | 12.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $323 | — | $323 | 20.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29 | $3 | $32 | 1.98% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $474K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $474K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 69 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $14K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.