| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S. WESTERN AVE SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $887 | $887 | 2.00% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S. WESTERN AVE SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.23% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $489 | $489 | 2.03% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S. WESTERN AVE SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $729 | $729 | 3.23% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INSURANCE SVCS | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KY, INC. | $1K | $709 | $2K | 14.88% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S. WESTERN AVE SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $489 | — | $489 | 10.00% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $77 | $77 | 1.57% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 166 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.