| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE, SUITE 500 PASADENA, CA 91101 | UNITEDHEALTHCARE INSURANCE COMPANY | $156K | — | $156K | 4.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN | 721 S PARKER ST STE 300 ORANGE, CA 92868 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 0.91% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE #950 PASADENA, CA 91101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 5.72% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE #950 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 9.18% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE #950 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.21% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE #950 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $935 | — | $935 | 9.18% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE #950 PASADENA, CA 91101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $329 | — | $329 | 9.25% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 261 | $144K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 565 | $3.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 394 | $140K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $49K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 395 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.