| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INSURANCE | 225 SOUTH LAKE AVENUE PASADENA, CA 91101 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 0.88% |
| USI INSURANCE SERVICES LLC3 | 333 EARLE OVINGTON BOULEVARD UNIONDALE, NY 11553 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.18% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL INSURANCE | 225 SOUTH LAKE AVENUE PASADENA, CA 91101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.94% |
| SHUSTER FINANCIAL & INSURANCE SVCS.3 Filed as: SHUSTER FINANCIAL & INSURANCE | 225 SOUTH LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.20% |
| JAMES E. TOWNES3 | 1900 EAST OCEAN BOULEVARD SUITE 814 LONG BEACH, CA 90802 | AFLAC | $2K | $35 | $2K | 6.33% |
| KEVIN MICHAEL NAGLE3 | 32 ESPERANZA AVENUE, SUITE F SIERRA MADRE, CA 91024 | AFLAC | $715 | $8 | $723 | 2.35% |
| DAVID WILLIAM ZIEGLER3 | 1 SOUTH FAIR OAKS AVENUE SUITE 200 PASADENA, CA 91105 | AFLAC | $638 | $0 | $638 | 2.07% |
| MJ INSURANCE3 Filed as: ELIZABETH A. LENZO & VARIOUS AGENTS | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $361 | $0 | $361 | 1.17% |
| MICHAEL R. FISHER3 | 50 WEST LEMON AVENUE, SUITE 2 MONROVIA, CA 91016 | AFLAC | $344 | $8 | $352 | 1.14% |
| MARSHALL C MCDONALD3 Filed as: MARSHALL C. MCDONALD | 17031 SUMMERS WALK BOULEVARD DAVIDSON, NC 28036 | AFLAC | $161 | $0 | $161 | 0.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES KLC | 21250 HAWTHRONE BOULEVARD SUITE 380 TORRANCE, CA 90503 | AFLAC | $63 | $0 | $63 | 0.20% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 228 | $5.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 600 | $304K |
| Vision | VISION SERVICE PLAN | 333 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 791 | $216K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 791 | $216K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 791 | $216K |
| Prescription drug(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 228 | $5.3M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 791 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.