| 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 TIMONIUM, MD 21093 | MINNESOTA LIFE INSURANCE COMPANY | $185K | — | $185K | 18.97% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES, INC. | 9690 DEERECO ROAD #650 TIMONIUM, MD 21093 | SELECTHEALTH | $20K | — | $20K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 100878852 | SELECTHEALTH | $6K | — | $6K | 0.66% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 2.80% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $37K | — | $37K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.91% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $14K | — | $14K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC. | 9690 DEERECO RD SUITE 650 TIMONIUM, MD 21093 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 1.76% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | NATIONAL UNION FIRE INS CO. OF PITTSBURGH, PA | $5K | — | $5K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $2.7M |
| DELTA DENTAL EIN 54-0844477 NONE | Contract Administrator Service code 13 | — | $163K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Contract Administrator; Direct payment from the plan; Participant communication; Claims processing Service code 12 | — | $112K |
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 | 6,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,313 | $6.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,540 | $330K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 9,738 | $977K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,869 | $318K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 998 | $162K |
| Other(4 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 7,005 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,738 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.