| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEINER INSURANCE, INC.3 Filed as: WEINER INSURANCE | 13951 N SCOTTSDALE RD STE 131 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $8K | — | $8K | 0.77% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HARTFORD LIFE AND ACCIDENT | $247K | $31K | $277K | 56.22% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 8.06% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HARTFORD LIFE AND ACCIDENT | $311K | $28K | $339K | 76.24% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 3.53% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HARTFORD LIFE AND ACCIDENT | $229K | $24K | $253K | 66.22% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 3.51% |
| RX FINANCIAL RESOURCES, INC3 Filed as: RX FINANCIAL RESOURCES | 340 W BUTTERFIELD RD STE LLE ELMHURST, IL 60126 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.16% |
| RX FINANCIAL RESOURCES, INC3 | 340 W BUTTERFIELD RD STE LE ELMHURST, IL 60126 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $4K | $212 | $4K | 14.87% |
| HOOPIS PETER H3 | 300 S WACKER DR STE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $1K | $2K | $4K | 11.94% |
| WALT SZADZINSKI & ASSOC LTD3 | 785 S PROSPECT AVE ELMHURST, IL 60126 | MASSACHUSETTS MUTUAL INSURANCE COMPANY | $410 | — | $410 | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH NORTH AMERICA | — | — | $0 | — |
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 | 10,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 384 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL HMO | 8,414 | $4.2M |
| Vision | VISION SERVICE PLAN | 7,582 | $1.1M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 9,123 | $2.2M |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 7,874 | $669K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 8,916 | $2.3M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 9,123 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,123 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.