| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 | 21241 SOUTH WESTERN AVENUE SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC. | $57K | $0 | $57K | 1.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $29K | $0 | $29K | 1.01% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 SOUTH WESTERN AVENUE SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.82% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET, SUITE 1200 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5250 NORTH PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.09% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 SOUTH WESTERN AVENUE SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $590 | $0 | $590 | 2.46% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | METROPOLITAN LIFE INSURANCE COMPANY | $189 | $0 | $189 | 0.79% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 338 | $2.8M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 719 | $300K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 719 | $300K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 719 | $300K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 338 | $2.8M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 719 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.