| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | $3K | $49K | 3.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $4K | — | $4K | 0.31% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | STANDARD INSURANCE COMPANY | $246 | — | $246 | 0.63% |
| ESSER HAYES INSURANCE GROUP3 Filed as: ESSER HAYES INS GROUP INC | 1811 HIGH GROVE SUITE 139 NAPERVILLE, IL 60540 | STANDARD INSURANCE COMPANY | $126 | — | $126 | 0.32% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATINOAL INS GRUP INC | 1301 WEST 22ND STREET SUTIE 600 OAK BROOK, IL 60523 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.45% |
| ESSER HAYES INSURANCE GROUP3 Filed as: ESSER HAYES INS GROUP INC | 1811 HIGH GROVE SUITE 139 NAPERVILLE, IL 60540 | STANDARD INSURANCE COMPANY | $123 | — | $123 | 0.47% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.76% |
| ESSER HAYES INSURANCE GROUP3 Filed as: ESSER HAYES INS GROUP INC | 1811 HIGH GROVE SUITE 139 NAPERVILLE, IL 60540 | STANDARD INSURANCE COMPANY | $190 | — | $190 | 1.24% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | DIRECT MARKETING SOLUTIONS SUITE 600 OAK BROOK, IL 60523 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.61% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 248 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 175 | $26K |
| Short-term disability | STANDARD INSURANCE COMPANY | 59 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 45 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.