| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS, LLC | 252 N. RADNOR-CHESTER RD ST DAVIDS, PA 19087 | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | $0 | $38K | 1.98% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | $0 | $28K | 1.47% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS LLC | 252 N RADNOR CHESTER RD ST DAVIDS, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.25% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INSURANCE SERVICES LLC | 4321 3 60TH ST DAVENPORT, IA 52807 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.86% |
| VISTANATIONAL INSURANCE GROUP3 Filed as: VISTANATIONAL INSURANCE GROUP INC | OAKBROOK REGENCY TOWERS 1301 W 22ND ST STE 600 OAK BROOK, IL 60523 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.78% |
| VISTANATIONAL INSURANCE GROUP3 | 1301 W 22ND ST STE 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $201 | $0 | $201 | 1.41% |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 335 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $169K |
| Vision | VISION SERVICE PLAN | 173 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $169K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $169K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 390 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.