| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS, JR. | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | HCC LIFE INSURANCE COMPANY | $52K | — | $52K | 15.00% |
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS, JR. | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 19.89% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | VISION SERVICE PLAN | $2K | — | $2K | 3.55% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCCLEMENTS INSURANCE SERVICES LLC3 | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCCLEMENTS INSURANCE SERVICES LLC3 Filed as: MCCLEMENTS INSURANCE SERVICES, LLC | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 13.83% |
| MCCLEMENTS INSURANCE SERVICES LLC3 | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCCLEMENTS INSURANCE SERVICES LLC3 | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCCLEMENTS INSURANCE SERVICES LLC3 Filed as: MCCLEMENTS INSURANCE SERVICES, LLC | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | EMPATHIA PACIFIC, INC. | $302 | — | $302 | 4.99% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $373 | — | $373 | 15.02% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 233 | $345K |
| Vision | VISION SERVICE PLAN | 276 | $54K |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 281 | $99K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $31K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 233 | $345K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.