| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.24% |
| 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 | — | $2K | $2K | 1.85% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE. STE 200 TORRANCE, CA 90501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $784 | $784 | 0.99% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 114 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $84K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.