| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEINER INSURANCE, INC.3 Filed as: WEINER INSURANCE INC | 13951 N SCOTTSDALE ROAD SUITE 131 PHOENIX, AZ 85254 | VISION SERVICE PLAN | $8K | — | $8K | 0.81% |
| WEINER INSURANCE, INC.3 Filed as: WEINER INSURANCE | 13951 N SCOTTSDALE ROAD SUITE 131 PHOENIX, AZ 85254 | SIERRA HEALTH & LIFE INSURANCE COMPANY, INC. | $16K | — | $16K | 1.71% |
| RX FINANCIAL RESOURCES, INC3 Filed as: RX FINANCIAL RESOURCES, INC. | 340 W BUTTERFIELD ROAD SUITE LLE ELMHURST, IL 60126 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.34% |
| RX FINANCIAL RESOURCES, INC3 Filed as: RX FINANCIAL RESOURCES, INC. | 340 W. BUTTERFIELD RD. STE LE ELMHURSTR, IL 60126 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $5K | $359 | $5K | 11.73% |
| PETER H HOOPIS3 | 520 LAKE COOK RD. STE. 315 DEERFIELD, IL 60015 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | — | $3K | $3K | 7.57% |
| WALT SZADZINSKI & ASSOC LTD3 Filed as: WALT SZADZINSKI, LTD | 785 S. PROSPECT AVE. ELMHURST, IL 60126 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| PEARRE DAVID3 | 300 S. WACKER DRIVE STE 800 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $129 | — | $129 | 0.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 10 WEYBOSSET STREET SUITE 502 PROVIDENCE, RI 02903 | ZURICH NORTH AMERICA | $7K | — | $7K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFITS ADMIN EIN 36-3384135 NONE | Account maintenance fees; Recordkeeping fees; Other fees; Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 4687 OAK BROOK, IL 60522 | $223K |
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 | 11,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 307 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH & LIFE INSURANCE COMPANY, INC. | 307 | $953K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 6,104 | $4.6M |
| Vision | VISION SERVICE PLAN | 6,899 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,672 | $1.6M |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 7,095 | $2.4M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 8,947 | $1.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 8,672 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,947 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.