| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $48K | $3K | $51K | 4.12% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $2K | — | $2K | 6.87% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $2K | — | $2K | 7.38% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $2K | — | $2K | 8.05% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $2K | — | $2K | 8.43% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $2K | — | $2K | 15.00% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $2K | — | $2K | 14.92% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $674 | — | $674 | 9.18% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND ST STE 600 OAK BROOK, IL 60523 | THE STANDARD | $542 | — | $542 | 9.90% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 236 | $1.2M |
| Life insurance(2 contracts) | THE STANDARD | 167 | $45K |
| Short-term disability(2 contracts) | THE STANDARD | 53 | $64K |
| Long-term disability(2 contracts) | THE STANDARD | 43 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.