| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 100 OCEANGATE BOULEVARD SUITE 800 LONG BEACH, CA 90802 | BLUE SHIELD OF CALIFORNIA | $43K | — | $43K | 2.45% |
| GOLD COAST INS.3 Filed as: GOLD COAST INSURANCE | 6511 EAST RENDINA STREET LONG BEACH, CA 90815 | BLUE SHIELD OF CALIFORNIA | $19K | — | $19K | 1.05% |
| DAVID GEORGE CARVER3 Filed as: DAVID CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | KAISER FOUNDATION HEALTH PLAN, INC. | $40K | — | $40K | 2.90% |
| SALLY COKER3 | 6511 EAST RENDINA STREET LONG BEACH, CA 90815 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 0.62% |
| DAVID GEORGE CARVER3 Filed as: DAVID CARVER | 400 OCEANGATE #700 LONG BEACH, CA 90802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $44K | — | $44K | 6.98% |
| SALLY COKER3 | 6511 EAST RENDINA STREET LONG BEACH, CA 90815 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 2.99% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE #700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE #700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE #700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $956 | — | $956 | 10.00% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 313 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 283 | $631K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 283 | $631K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 283 | $59K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 283 | $50K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 281 | $1.8M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 283 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.