| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $102K | $3K | $104K | 3.58% |
| VISAT NATIONAL INSURANCE GROUP INC3 | 1301 WEST 220D STREET SUITE 600 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5 | $5 | 0.00% |
| VELOCITY EHS3 | 222 MERCHANDISE MART PLAZA SUITE 1750 CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.00% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LIONCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $4K | — | $4K | 13.94% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 15.54% |
| N-GAGE LLC3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.26% |
| H E INSURANCE INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.10% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 528 | $2.9M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $170K |
| Vision | VISION SERVICE PLAN | 269 | $27K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $106K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 385 | $38K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.