| 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 LUTHERVILLE TIMONIUM, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $65K | $66K | 3.21% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 13409 | UNITEDHEALTHCARE INSURANCE COMPANY | $334 | $13K | $14K | 0.66% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 LUTHERVILLE TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 11.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 LUTHERVILLE TIMONIU, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 83.40% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 15.77% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $854 | — | $854 | 5.35% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 LUTHERVILLE TIMONIU, MD 21093 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 62.54% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $206 | $15 | $221 | 12.30% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $87K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $34K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $18K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $18K |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.