| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE SUITE 600 PASADENA, CA 91101 | BLUE CROSS OF CALIFORNIA | $79K | $0 | $79K | 4.98% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S LAKE AVENUE SUITE 600 PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 3.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 0.92% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL AND INS. SVCS | 225 S LAKE AVENUE SUITE 600 PASADENA, CA 91101 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 6.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 3.37% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE SUITE 600 PASADENA, CA 91101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.76% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $69 | $69 | 0.11% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE SUITE 600 PASADENA, CA 91101 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.10% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $240 | $0 | $240 | 46.33% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 | 225 S. LAKE AVENUE SUITE 600 PASADENA, CA 91101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | $0 | $34 | 6.56% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 242 | $1.8M |
| Dental | UNION SECURITY INSURANCE COMPANY | 88 | $111K |
| Vision | VISION SERVICE PLAN | 176 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $60K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $60K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 242 | $1.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.