| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INS. SERVICES | 155 N LAKE AVE., SUITE 500 PASADENA, CA 91101 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | — | $134K | $134K | 1.84% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INS. SERVICES | 225 S. LAKE AVE., SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63K | — | $63K | 15.00% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 4.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE | 721 S PARKER ST STE 300 ORANGE, CA 928684732 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $11K | $11K | 3.97% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INS. SERVICES | 225 S. LAKE AVE., SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INS. SERVICES | 225 S. LAKE AVE., SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INS. SERVICES | 155 N LAKE AVE., SUITE 500 PASADENA, CA 91101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 8.01% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $847 | — | $847 | 10.00% |
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 | 362 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 771 | $7.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 315 | $286K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 677 | $50K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $82K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $106K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $423K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 771 | $7.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.