| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFIT ADMINISTRATORS3 | 900 JORIE BLVD, STE 250 OAK BROOK, IL 60523 | PROFESSIONAL BENEFIT ADMINISTRATORS | $0 | $108K | $108K | 14.49% |
| PROFESSIONAL BENEFIT ADMINISTRATORS3 | 900 JORIE BLVD, STE 250 OAK BROOK, IL 60523 | WESTPORT INSURANCE CORPORATION | $6K | — | $6K | 0.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | DELTA DENTAL OF ILLINOIS-RISK | $3K | $0 | $3K | 3.82% |
| JAMES D CROSE3 | PO BOX 761 DANVILLE, IL 61834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.66% |
| SANFORD GARY GOLDBERG3 | 17A SOUTH SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $570 | $3K | 4.21% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $976 | $135 | $1K | 1.54% |
| CURTIS R HAWKINS3 | 220 HANEY ROAD CARBONDALE, IL 62901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| LISA D NISWONGER3 | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $146 | $966 | 1.34% |
| DAVID ALLEN GONCHER3 | 234 BROADWAY CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | $129 | $695 | 0.97% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $0 | $128 | 0.18% |
| VOLUNTARY BENEFIT PLANS LLC3 | PO BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.09% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.07% |
| CAROLYN REZNICEK3 | 24290 BUCKHORN LANE CARLINVILLE, IL 62626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.05% |
| UVETTA MATTHEWS NEWCOMER3 | C/O UVETA MATTHEWS NEWCOMER POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.03% |
| KAMI L STANLEY3 | 4520 SOUTH 49TH STREET LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $7 | $15 | 0.02% |
| ROGLE INC3 | 2108 N PENNSYLVANIA ST INDIANAPOLIS, IN 46202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $6 | $14 | 0.02% |
| RICHARD C LANDMANN3 | 14823 CONWAY ROAD CHESTERFIELD, MO 63017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | DEARBORN NATIONAL | $2K | — | $2K | 15.00% |
| RESOURCE BROKERAGE LLC3 Filed as: RESOURCE BROKERAGE | 1501 EAST WOODFIELD RD STE 110E SCHAUMBURG, IL 601734945 | DEARBORN NATIONAL | — | $432 | $432 | 4.00% |
| JAMES D CROSE3 | PO BOX 761 DANVILLE, IL 61834 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 18.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $64 | $1K | 15.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFIT ADMIINSTRATORS EIN 36-3384135 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 900 JORIE BLVD, STE 250 OAK BROOK, IL 60523 | $94K |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROFESSIONAL BENEFIT ADMINISTRATORS | 193 | $743K |
| Dental | DELTA DENTAL OF ILLINOIS-RISK | 150 | $87K |
| Life insurance(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 246 | $100K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 246 | $91K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $17K |
| Prescription drug | PROFESSIONAL BENEFIT ADMINISTRATORS | 193 | $743K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PROFESSIONAL BENEFIT ADMINISTRATORS | 193 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.