| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEINER INSURANCE, INC.3 Filed as: WEINER INSURANCE INC. | 13951 N SCOTTSDALE RD STE 131 SCOTTSDALE, AZ 85254 | SIERRA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 1.76% |
| WEINER INSURANCE, INC.3 Filed as: WEINER INSURANCE INC. | 13951 N SCOTTSDALE RD STE 131 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $2K | — | $2K | 0.28% |
| RX FINANCIAL RESOURCES, INC3 Filed as: RX FINANCIAL RESOURCES INC. | 340 W BUTTERFIELD STE. LLE ELMHURST, IL 60126 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.94% |
| RX FINANCIAL RESOURCES, INC3 Filed as: RX FINANCIAL RESOURCES INC. | 340 W BUTTERFIELD STE. LLE ELMHURST, IL 60126 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $6K | $166 | $6K | 14.90% |
| HOOPIS PETER H3 | 300 S WACKER DR STE. 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $579 | $3K | $4K | 10.16% |
| WALT SZADZINSKI & ASSOC LTD3 | 785 S PROSPECT AVE ELMHURST, IL 60126 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $1K | $6 | $1K | 3.11% |
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 | 10,372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 324 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY | 291 | $865K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PPO | 8,275 | $4.4M |
| Vision | VISION SERVICE PLAN | 5,915 | $840K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,840 | $1.2M |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 7,874 | $2.6M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 8,873 | $1.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 8,840 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,873 | — |
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 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.