| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | — | BLUECROSS BLUESHIELD OF ILLINOIS | $77K | $3K | $80K | 4.01% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| 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 | $7K | — | $7K | 5.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS DBA VISTA | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 263 SHUMAN BOULEVARD SUITE 110 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | — | $717 | $717 | 0.58% |
| MANAGEMENT PROFESSIONAL SVCS INC3 | PO BOX 1307 LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| MANAGEMENT PROFESSIONAL SVCS INC3 | PO BOX 1307 LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| MANAGEMENT PROFESSIONAL SVCS INC3 | PO BOX 1307 LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.45% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP, INC | 1301 WEST 22ND STREET OAK BROOK, IL 60523 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $757 | — | $757 | 5.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF IL, INC. | 1301 WEST 22ND STREET OAK BROOK, IL 60523 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $482 | — | $482 | 3.52% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP, INC | 1301 WEST 22ND STREET OAK BROOK, IL 60523 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $114 | — | $114 | 0.83% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | AMERITAS LIFE INSURANCE CORP. | $245 | — | $245 | 4.81% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 241 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $123K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 285 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $81K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $44K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.