| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO RAOD SUITE 650 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $396K | — | $396K | 8.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES, INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 210936929 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $10K | $36K | 6.96% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | VISION SERVICE PLAN | $20K | — | $20K | 4.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES, INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 210936929 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $4K | $14K | 6.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES, INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 210936929 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $6K | 6.91% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES, INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $539 | $49 | $588 | 16.36% |
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 | 3,225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,490 | $4.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,490 | $4.9M |
| Vision | VISION SERVICE PLAN | 2,235 | $404K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,891 | $520K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,692 | $212K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,490 | $4.9M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,225 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,490 | — |
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.