| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | AETNA HEALTH, INC. | $41K | — | $41K | 4.57% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 4.49% |
| SW FINANCIAL SERVICES, INC.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 2.79% |
| SW FINANCIAL SERVICES, INC.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ANNY G. KIM3 | 3856 W. 242ND STREET, NO. 2 TORRANCE, CA 90505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $754 | — | $754 | 10.01% |
| NASTASSJA HARTFORD-GRAHAM3 | P.O. BOX 48895A LOS ANGELES, CA 90048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.66% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | 100.03% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $377 | — | $377 | 100.00% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 297 | $1.3M |
| Dental(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 238 | $155K |
| Vision(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 234 | $43K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 256 | $8K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 297 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 256 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.