| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE INC. | 1301 W 22ND ST. STE 600 OAK BROOK, IL 60523 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $103K | $3K | $106K | 3.66% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 W 22ND ST STE 600 OAK BROOK, IL 60523 | DEARBON NATIONAL LIFE INSURANCE COMPANY | $23K | $9K | $32K | 20.35% |
| VISTANATIONAL INSURANCE GROUP3 | 1301 W 22ND ST. STE. 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $2K | — | $2K | 8.16% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL | 1301 W. 22ND STREET #600 OAK BROOK, IL 60523 | HEALTHIEST YOU | $3K | — | $3K | 15.00% |
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 | 653 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 653 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 653 | $2.9M |
| Vision | VISION SERVICE PLAN | 321 | $26K |
| Life insurance | DEARBON NATIONAL LIFE INSURANCE COMPANY | 935 | $156K |
| Short-term disability | DEARBON NATIONAL LIFE INSURANCE COMPANY | 935 | $156K |
| Long-term disability | DEARBON NATIONAL LIFE INSURANCE COMPANY | 935 | $156K |
| Other(2 contracts, 2 carriers) | DEARBON NATIONAL LIFE INSURANCE COMPANY | 935 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.