| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | CALIFORNIA PHYSICIANS SERVICE | $8K | $14K | $22K | 1.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER INSURANCE SERVICES INC. | 777 S FIGUEROA ST SUITE 1900 LOS ANGELES, CA 90017 | CALIFORNIA PHYSICIANS SERVICE | $8K | — | $8K | 0.50% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 2.71% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVENUE, SUITE 100 IRVINE, CA 92614 | PREMIER ACCESS INSURANCE COMPANY | $699 | — | $699 | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 2.82% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 2.50% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.34% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $854 | — | $854 | 2.72% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | VISION SERVICE PLAN | $589 | — | $589 | 1.88% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.40% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $896 | — | $896 | 8.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $646 | — | $646 | 6.31% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INS. SERVICES | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $309 | — | $309 | 6.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVENUE, SUITE 100 IRVINE, CA 92614 | PREMIER ACCESS INSURANCE COMPANY | $91 | — | $91 | 1.81% |
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 | 283 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 281 | $2.3M |
| Dental(2 contracts) | PREMIER ACCESS INSURANCE COMPANY | 362 | $146K |
| Vision | VISION SERVICE PLAN | 248 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $53K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $40K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 281 | $2.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.