| 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 | $4K | $2K | $6K | 10.13% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | — | $164 | $164 | 0.27% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $351 | $3K | 11.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 5250 N PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $228 | $3K | 16.38% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 5250 N PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $766 | — | $766 | 5.00% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $649 | $92 | $741 | 12.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 5250 N PALM, SUITE 424 FRESCO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $295 | — | $295 | 5.00% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 84 | $60K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 84 | $60K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $6K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $15K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.