| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP INC. | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $88K | $3K | $91K | 2.58% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INS GROUP INC | 1301 W 22ND ST SUITE 600 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $624 | $624 | 0.50% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1415 W 22ND ST STE 1000 OAK BROOK, IL 605232029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 23.43% |
| VISTA NATIONAL INSURANCE GROUP INC3 | 1415 W 22ND ST STE 1000 OAK BROOK, IL 605232029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $11K | 23.75% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP INC. | 1415 W 22ND ST STE 1000 OAK BROOK, IL 605232029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.20% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP, INC | 1415 W 22ND ST STE 1000 OAK BROOK, IL 60523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.26% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP, INC | 1301 WEST 22ND STREET OAK BROOK, IL 60523 | EYEMED VISION CARE | $3K | — | $3K | 10.75% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 486 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $125K |
| Vision | EYEMED VISION CARE | 358 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $36K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 486 | $3.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.