| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 4.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $8K | $38K | 2.94% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC | $30K | — | $30K | 2.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC | $19K | — | $19K | 1.63% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $5K | $22K | 2.20% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: THE L WARNER COMPANY INC | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $1K | $18K | 2.82% |
| PIERCE, DWIGHT, L Filed as: PIERCE, DWIGHT L | 20 WIGHT AVE STE 160 BENEFITS TECHNOLOGIES - DIV 15 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 2.46% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 2.18% |
| M FINANCIAL HOLDINGS INC | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $641 | $641 | 0.10% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $984 | $5K | 2.20% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 6.20% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $475 | $3K | 2.56% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIR SUITE 150 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $467 | $3K | 2.67% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $441 | $3K | 2.58% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $431 | $2K | 2.24% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $431 | $2K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | UNITED CONCORDIA DENTAL PLANS, INC | $830 | — | $830 | 1.03% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: THE L WARNER COMPANY INC | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $5 | $11K | 14.84% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNITED CONCORDIA DENTAL PLANS, INC. | $1K | — | $1K | 4.25% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $864 | — | $864 | 2.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $551 | $184 | $735 | 2.41% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13613 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $508 | $91 | $599 | 2.56% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $600 | — | $600 | 2.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $371 | $138 | $509 | 2.45% |
| WEALTH PRESERVATION INC3 | SUITE 304 9515 DEERECO ROAD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $698 | — | $698 | 5.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13613 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $267 | $48 | $315 | 2.46% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $358 | — | $358 | 2.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $217 | $98 | $315 | 2.54% |
| SWT GROUP INS SERVICES INC | 207 E REDWOOD ST, STE 608 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $457 | — | $457 | 7.87% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | — | $416 | 7.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $94 | $66 | $160 | 2.95% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $154 | — | $154 | 2.84% |
| WEALTH PRESERVATION INC3 | STE 304 9515 DEERECO RD TIMONIUM, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $216 | — | $216 | 5.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13613 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78 | $14 | $92 | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | $53 | $97 | 3.88% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $73 | — | $73 | 2.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | $49 | $74 | 5.33% |
| WEALTH PRESERVATION INC3 | 9515 DEERECO RD STE 304 TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 3.17% |
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 | 7,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 56 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC | 167 | $1.2M |
| Dental(2 contracts) | UNITED CONCORDIA DENTAL PLANS, INC | 426 | $112K |
| Life insurance(10 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,718 | $1.5M |
| Short-term disability(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,099 | $1.9M |
| Long-term disability(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,099 | $1.9M |
| Other(13 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,718 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,718 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.