| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC. | $47K | — | $47K | 5.01% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE. TORRANCE, CA 90501 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 4.93% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE. TORRANCE, CA 90501 | AETNA HEALTH, INC. | $28K | — | $28K | 4.95% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 9.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $13K | 5.48% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $348 | $348 | 1.76% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | — | $593 | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $83 | $83 | 1.40% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $95 | — | $95 | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13 | $13 | 1.37% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 145 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 554 | $233K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 554 | $233K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $948 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $6K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.