| 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. | $62K | — | $62K | 4.95% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | AETNA LIFE INSURANCE CO. | $45K | — | $45K | 4.91% |
| SW FINANACIAL SERVICES3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 2.19% |
| SHANA WON, CFP3 | 697 E. CALIFORNIA BLVD. PASADENA, CA 91106 | MONY LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 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 | 325 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 336 | $2.2M |
| Dental | HUMANA INSURANCE COMPANY | 324 | $289K |
| Vision | MONY LIFE INSURANCE COMPANY OF AMERICA | 325 | $60K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 325 | $60K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 336 | $2.2M |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 325 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.