| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | HEALTH NET | $29K | — | $29K | 4.81% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 3.80% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 5.79% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 15.00% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $728 | — | $728 | 14.99% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 125 | $1.1M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 84 | $45K |
| Vision | AETNA LIFE INSURANCE CO. | 412 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $16K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
No prospect flags tripped on this filing.