| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISTA NATIONAL INSURANCE GROUP INC3 | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $48K | $2K | $50K | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $35K | — | $35K | 1.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLNOIS INC | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $28K | $2K | $30K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 12.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 263 SHUMAN BOULEVARD SUITE 110 NAPERVILLE, IL 60563 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $822 | $5K | 11.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS, INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $834 | — | $834 | 3.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $812 | — | $812 | 3.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | UNUM INSURANCE COMPANY | $472 | — | $472 | 14.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | UNUM INSURANCE COMPANY | $383 | — | $383 | 15.01% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 394 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 394 | $3.3M |
| Vision | VISION SERVICE PLAN | 170 | $24K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 316 | $66K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 316 | $108K |
| Other(5 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,083 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.