| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES, INC (THE) | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $23K | $4K | $28K | 7.65% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $13K | — | $13K | 3.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 9.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 3.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES IN | 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 | — | $219 | $219 | 2.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES IN | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $396 | $2K | 23.98% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $199 | $199 | 2.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $766 | — | $766 | 12.68% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $667 | — | $667 | 22.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $267 | — | $267 | 9.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $107 | $107 | 3.97% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $348 | — | $348 | 25.16% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEECRECO ROAD SUITE 650 TIMONIUM, MA 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | $38 | $243 | 23.68% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $21 | $21 | 2.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MA 21093 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $22 | — | $22 | 9.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $9 | $9 | 4.07% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | 84 | $362K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 73 | $33K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 89 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $10K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.