| 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 | CAREFIRST BLUECHOICE, INC. | — | $6K | $6K | 8.01% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $2K | $2K | 3.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.38% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES, INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | DOMINION NATIONAL | $479 | — | $479 | 7.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER CO. INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | VISION SERVICE PLAN | $151 | — | $151 | 4.67% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $71 | — | $71 | 2.20% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | TRANSAMERICA LIFE INSURANCE COMPANY | $91 | — | $91 | 4.84% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 223 | $76K |
| Dental | DOMINION NATIONAL | 225 | $7K |
| Vision | VISION SERVICE PLAN | 182 | $3K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 447 | $16K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 447 | $14K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 447 | $14K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 223 | $76K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 447 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.