| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERCO RD SUITE 650 LUTHERVILLE, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $509 | $59K | 4.80% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.09% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERCO RD #650 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $807 | $807 | 1.55% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $723 | $6K | 17.23% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERCO ROAD #650 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $500 | $500 | 1.54% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERCO RD SUITE 650 TIMONIUM, MD 21093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 40.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $59 | $2K | 15.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERCO RD #650 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $166 | $166 | 1.43% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $532 | $71 | $603 | 16.95% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERCO RD #650 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $57 | $57 | 1.60% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $32K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 151 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.