| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 LUTHERVILLE TIMONIUM, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 7.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.43% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | $110 | $719 | 2.29% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOW | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | — | $708 | 2.25% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $23 | $343 | 1.09% |
| DICE INSURANCE INC3 | 5219 CASENTINO COURT MYRTYLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES | 9690 DEERECO ROAD TIMONIUM, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.18% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.13% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $2 | $22 | 0.07% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.06% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| 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 | 35710 CLAMSHELL CIRCLE SELBYVILLE, DE 19975 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER CO., INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 24.68% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER CO., INC. | 9690 DEERECO ROAD SUITE 650 TIMONIIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 24.36% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATION SERV | — | UNITED CONCORDIA DENTAL PLANS, INC. | $506 | — | $506 | 2.70% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 LUTHERVILLE TIMONIUM, MD 21093 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 16.00% |
| 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 | — | $309 | $309 | 4.99% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $474K |
| Dental | UNITED CONCORDIA DENTAL PLANS, INC. | 43 | $19K |
| Vision | ADVANTICA INSURANCE COMPANY | 97 | $6K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $25K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.