| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE AGENCY | 3405 E. OVERLAND RD., STE 355 MERIDIAN, ID 83642 | QBE INSURANCE | $4K | $0 | $4K | 2.00% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE AGENCY | 3405 E. OVERLAND RD., STE 355 MERIDIAN, ID 83642 | WILLAMETTE DENTAL OF IDAHO, INC. | $2K | $0 | $2K | 5.00% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE AGENCY | 3405 E. OVERLAND RD., STE 355 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE CO. | $4K | $0 | $4K | 15.00% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE AGENCY | 3405 E. OVERLAND RD., STE 355 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE CO. | $3K | $0 | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| M S ADMINISTRATIVE SERVICES INC. EIN 82-0380872 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $158K |
| WILLAMETTE DENTAL OF IDAHO, INC. EIN 93-1253100 DENTAL ADMINISTRATION | Claims processing Service code 12 | — | $50K |
| MST INSURANCE AGENCY EIN 82-0382503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $38K |
| IPN NETWORK EIN 82-0462950 PPO NETWORK | Claims processing Service code 12 | — | $12K |
| MULTIPLAN EIN 13-3068979 PPO NETWORK | Claims processing Service code 12 | — | $8K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 PRECERT | Claims processing Service code 12 | — | $7K |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE | 450 | $197K |
| Dental(2 contracts, 2 carriers) | QBE INSURANCE | 450 | $247K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE CO. | 445 | $21K |
| Prescription drug | QBE INSURANCE | 450 | $197K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 450 | $197K |
| Other | UNITED HERITAGE LIFE INSURANCE CO. | 118 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
No prospect flags tripped on this filing.