| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 W 22ND ST., STE. 600 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $59K | — | $59K | 3.85% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 4.26% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 W 22ND ST., STE. 600 OAK BROOK, IL 60523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2800 N CENTRAL AVE., STE 1600 PHOENIX, AZ 85004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $360 | — | $360 | 0.73% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 W 22ND ST STE 600 OAK BROOK, IL 60523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $217 | — | $217 | 0.82% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 W 22ND ST., STE. 600 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.93% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 W 22ND ST., STE 600 OAK BROOK, IL 60523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $154 | — | $154 | 0.78% |
| VISANATIONAL INSURANCE GROUP3 | 1301 W 22ND ST STE 600 OAK BROOK, IL 60523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $332 | — | $332 | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25 | — | $25 | 0.75% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $134K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 132 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $26K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.