| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE. TORRANCE, CA 90501 | AETNA LIFE INSURANCE CO. | $22K | — | $22K | 2.55% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE. TORRANCE, CA 90501 | AETNA HEALTH, INC. | $21K | — | $21K | 2.60% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SERVICES, INC. | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 2.58% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $554 | — | $554 | 6.54% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SERVICES, INC. | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | HARTFORD LIFE AND ACCIDENT | $620 | — | $620 | 10.00% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 118 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $139K |
| Vision | VISION SERVICE PLAN | 132 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 137 | $6K |
| Other | HARTFORD LIFE AND ACCIDENT | 137 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.