| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO RD STE 650 LUTHERVILLE TIMONIUM, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 6.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.33% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $451 | $1K | 5.07% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOW | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.82% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $617 | $87 | $704 | 2.45% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHATAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $14 | $157 | 0.55% |
| DICE INSURANCE INC3 | 5219 CASENTINO CT MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.27% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $10 | $58 | 0.20% |
| TRACY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.14% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DR MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.03% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| TERESA D'ASCOLI3 Filed as: TERESA D-ASCOLI | 35710 CLAMSHELL CIR SELBYVILLE, DE 19975 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS&DOWNES INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER CO., INC. | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS&DOWNES INC | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER CO., INC. | 9690 DEERECO RD STE 650 TIMONIIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $919 | — | $919 | 4.81% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATION SERV | — | UNITED CONCORDIA DENTAL PLANS, INC. | $502 | — | $502 | 3.47% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERECO ROAD STE 650 LUTHERVILLE TIMONIUM, MD 21093 | ADVANTICA REINSURANCE COMPANY | $502 | — | $502 | 10.00% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | ADVANTICA REINSURANCE COMPANY | $301 | — | $301 | 6.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $794 | $794 | 16.28% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNCILMAN MICHAELS | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | $78 | $566 | 11.61% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $507K |
| Dental | UNITED CONCORDIA DENTAL PLANS, INC. | 34 | $14K |
| Vision | ADVANTICA REINSURANCE COMPANY | 97 | $5K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $19K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.