| 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 | — | $1K | 0.34% |
| 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 | $3K | — | $3K | 17.33% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $292 | $292 | 1.85% |
| 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 | $3K | — | $3K | 17.26% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $282 | $282 | 1.87% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $774 | — | $774 | 12.97% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES, INC | 9690 DEERECO ROAD SUITE 650 LUTHERVILLE TIMONIUM, MD 21093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 100.00% |
| 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 | $150 | — | $150 | 6.94% |
| 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 | $535 | — | $535 | 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 | $277 | — | $277 | 17.40% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30 | $30 | 1.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 LUTHERVILLE TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $509 | — | $509 | — |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $406K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $406K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 80 | $6K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $16K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.