| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | $4K | $33K | 4.80% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| VISTANATIONAL INSURANCE GROUP3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $936 | $6K | 11.70% |
| VISTANATIONAL INSURANCE GROUP3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $830 | — | $830 | 8.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS, INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $199 | — | $199 | 2.09% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | METROPOLITAN LIFE INSURANCE COMPANY | $853 | $203 | $1K | 13.47% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 115 | $693K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $55K |
| Vision | VISION SERVICE PLAN | 84 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $8K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.