| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES 9690 | DEERCO RD #650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC (JEMM GROUP) | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES 9690 | DEERCO RD #650 TIMONIUM, MD 21093 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC (JEMM GROUP) | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO RD SUITE 600 TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 2.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO RD SUITE 600 TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 2.50% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICES MGMT | 6700 ALEXANDER BELL DRIVE SUITE 200 COLUMBIA, MD 21046 | ALPHA DENTAL PROGRAMS, INC. | $4K | — | $4K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO RD SUITE 600 TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| LEE WARNER3 Filed as: LEE W WARNER | 2207 EASTLAKE RD TIMONIUM, MD 21093 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.75% |
| INTERNATIONAL PLANNING ALLIANCE3 Filed as: INTERNATIONAL PLANNING ALLIANC | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $102 | — | $102 | 0.09% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO RD SUITE 600 TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $584 | — | $584 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $584 | — | $584 | 2.50% |
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 | 3,794 | 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) | 3,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | 709 | $5.3M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 1,063 | $199K |
| Vision | CAREFIRST OF MARYLAND, INC | 4,145 | $227K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,817 | $836K |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,655 | $833K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,817 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,145 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.