| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE PASADENA, CA 91101 | UNITEDHEALTHCARE INSURANCE COMPANY | $91K | — | $91K | 5.67% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 5.00% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE PASADENA, CA 91101 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.09% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.92% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.97% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE STE 500 PASADENA, CA 91101 | VISION SERVICE PLAN | $1K | — | $1K | 4.39% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | CONCERN EAP | $410 | — | $410 | 5.00% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $528 | — | $528 | 6.92% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE PASADENA, CA 91101 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $485 | — | $485 | 10.11% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $2.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $109K |
| Vision | VISION SERVICE PLAN | 138 | $25K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $75K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $8K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $39K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 70 | $486K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.