| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 W 22ND ST SUITE 600 OAK BROOK, IL 60523 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $107K | $4K | $111K | 2.86% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 WEST 22ND ST SUITE 600 OAK BROOK, IL 60523 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 7.78% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP | 1301 WEST 22ND ST SUITE 600 OAK BROOK, IL 60523 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.81% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE | 1301 W 22ND ST SUITE 600 OAK BROOK, IL 60523 | COMPANION LIFE INSURANCE CO. GROUP DENTAL INDEMNITY PLAN | $4K | — | $4K | 11.54% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE | 1301 W 22ND ST SUITE 600 OAK BROOK, IL 60523 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $637 | — | $637 | 7.41% |
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 | 538 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 538 | $3.9M |
| Dental(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $311K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $267K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $267K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $267K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $267K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.