| 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 | $89K | — | $89K | 4.80% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC. | $26K | — | $26K | 4.61% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 155 N LAKE AVENUE PASADENA, CA 91101 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 11.95% |
| 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 | $7K | — | $7K | 10.00% |
| 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 | $4K | — | $4K | 10.00% |
| 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 | 5.41% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE SVCS | 225 S LAKE AVE, SUITE 600 PASADENA, CA 91101 | CONCERN EAP | $400 | — | $400 | 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 | $777 | — | $777 | 9.99% |
| 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 | $531 | — | $531 | 12.11% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $2.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $88K |
| Vision | VISION SERVICE PLAN | 140 | $24K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $75K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $8K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $41K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 76 | $560K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.