| 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 | $62K | — | $62K | 15.00% |
| MCCLEMENTS INSURANCE SERVICES LLC3 Filed as: MCCLEMENTS INSURANCE SERVICES, LLC | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 5.15% |
| 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 | $11K | — | $11K | 19.92% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | VISION SERVICE PLAN | $2K | — | $2K | 3.63% |
| MCCLEMENTS INSURANCE SERVICES LLC3 | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| 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 | 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 | $4K | — | $4K | 16.23% |
| MCCLEMENTS INSURANCE SERVICES LLC3 Filed as: MCCLEMENTS INSURANCE SERVICES, LLC | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | EMPATHIA PACIFIC, INC. | $280 | — | $280 | 5.00% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 214 | $608K |
| Vision | VISION SERVICE PLAN | 240 | $52K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $101K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $31K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 31 | $196K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 214 | $412K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.