| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $440 | $4K | 7.55% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $976 | — | $976 | 5.00% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $203 | $203 | 1.04% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $663 | — | $663 | 5.00% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $136 | $136 | 1.03% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $588 | — | $588 | 11.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM, SUITE 424 FRESCO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $267 | — | $267 | 4.99% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $55 | $55 | 1.03% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $48K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $48K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $5K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $13K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.