| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC. | $34K | — | $34K | 3.09% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC. | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | BLUE CROSS OF CALIFORNIA | $25K | — | $25K | 3.42% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 5250 N. PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 3.10% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 5250 N. PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $656 | — | $656 | 3.00% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 5250 N. PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $482 | — | $482 | 5.00% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 143 | $2.0M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $180K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 239 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 67 | $72K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4 | $10K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 143 | $2.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 67 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.