| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 333 EARLE OVINGTON BOULEVARD UNIONDALE, NY 11553 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.21% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA UNIONDALE, NY 11556 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.45% |
| 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 | $5K | $0 | $5K | 13.16% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.72% |
| JAMES E. TOWNES3 | 1900 EAST OCEAN BOULEVARD SUITE 814 LONG BEACH, CA 90802 | AFLAC | $4K | $109 | $4K | 11.59% |
| KEVIN MICHAEL NAGLE3 | 32 ESPERANZA AVENUE, SUITE F SIERRA MADRE, CA 91024 | AFLAC | $1K | $25 | $1K | 3.56% |
| DAVID WILLIAM ZIEGLER3 | 1 SOUTH FAIR OAKS AVENUE SUITE 200 PASADENA, CA 91105 | AFLAC | $548 | $0 | $548 | 1.58% |
| ANDRES ORLANDO TRUJILLO3 | 205 SOUTH BROADWAY, SUITE 208 LOS ANGELES, CA 90012 | AFLAC | $468 | $15 | $483 | 1.39% |
| MJ INSURANCE3 Filed as: ELIZABETH LENZO & VARIOUS AGENTS | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $300 | $0 | $300 | 0.87% |
| MICHAEL R. FISHER3 | 50 WEST LEMON AVENUE, SUITE 2 MONROVIA, CA 91016 | AFLAC | $233 | $10 | $243 | 0.70% |
| MARSHALL CHARLES MCDONALD3 | 17031 SUMMERS WALK BOULEVARD DAVIDSON, NC 28036 | AFLAC | $144 | $0 | $144 | 0.42% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 495 | $8.4M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 980 | $453K |
| Vision | VISION SERVICE PLAN | 479 | $63K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $423K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $423K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $423K |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 495 | $8.4M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.