| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $4K | $55K | 4.15% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 4.12% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B ST FL 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | — | $501 | $501 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $54 | $8K | 7.49% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.17% |
| 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 | $520 | — | $520 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.14% |
| 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 | $264 | — | $264 | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $933 | — | $933 | 4.52% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | VISION SERVICE PLAN | $514 | — | $514 | 2.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | -$9 | — | -$9 | -0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $767 | — | $767 | 9.15% |
| 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 | $72 | — | $72 | 0.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | CONCERN EAP | $278 | — | $278 | 3.33% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | CONCERN EAP | $139 | — | $139 | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $381 | — | $381 | 6.36% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $201 | — | $201 | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $50 | $50 | 0.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $5 | $5 | 0.08% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $1.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $111K |
| Vision | VISION SERVICE PLAN | 132 | $21K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $63K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $8K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $30K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 64 | $300K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.