Welfare broker

RAYMOND H ZANARINI

Mailing address (most recent filing)

250 E ILLINOIS RD

STE 202

LAKE FOREST, IL 60045

Total comp: $177K
Commissions: $177K
Fees: $0
Filings: 9
Sponsors: 9

Carrier mix

Where RAYMOND H ZANARINI places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$156K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$998K	50.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
IL	2	$1.2M	0.0%	28.47x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of RAYMOND H ZANARINI's plans by broker comp / premium ratio. Median 2.68% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of RAYMOND H ZANARINI's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where RAYMOND H ZANARINI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CLAUSEN MILLER PC GROUP DISABILITY PLAN FOR ALL FULL TIME EMPLOYEES	IL	$156K	$8K	UNUM LIFE INSURANCE COMPANY OF AMERICA
CLAUSEN MILLER PC GROUP LIFE HEALTHY PLAN FOR ALL EMPLOYEES	IL	$998K	$4K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$156K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$998K

50.0%

State

Plans

Premium

State share

Index

$1.2M

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

CLAUSEN MILLER PC

GROUP DISABILITY PLAN FOR ALL FULL TIME EMPLOYEES

$156K

$8K

UNUM LIFE INSURANCE COMPANY OF AMERICA

CLAUSEN MILLER PC

GROUP LIFE HEALTHY PLAN FOR ALL EMPLOYEES

$998K

$4K

CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES