| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | BLUE CROSS OF CALIFORNIA | $25K | — | $25K | 3.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | — | $12K | $12K | 1.84% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 6.67% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 7.77% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $726 | — | $726 | 10.47% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $524 | — | $524 | 9.04% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | UNION SECURITY INSURANCE COMPANY | $654 | — | $654 | 16.09% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $131 | — | $131 | 10.01% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | UNION SECURITY INSURANCE COMPANY | $35 | — | $35 | 9.92% |
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 | 64 | 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) | 65 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 64 | $668K |
| Dental(2 contracts) | PREMIER ACCESS INSURANCE COMPANY | 56 | $63K |
| Vision(2 contracts) | PREMIER ACCESS INSURANCE COMPANY | 41 | $13K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 9 | $4K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 2 | $353 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.