| 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 | — | $62K | $62K | 2.92% |
| SALLY COKER3 Filed as: SALLY INGRAM COKER | 38275 N. 103RD PLACE SCOTTSDALE SCOTTSDALE, AZ 85262 | BLUE SHIELD OF CALIFORNIA | — | $27K | $27K | 1.25% |
| DAVID GEORGE CARVER3 Filed as: DAVID CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | KAISER FOUNDATION HEALTH PLAN INC | $45K | — | $45K | 2.45% |
| SALLY COKER3 | 38275 N. 103RD PLACE SCOTTSDALE SCOTTSDALE, AZ 85262 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 1.05% |
| DAVID GEORGE CARVER3 Filed as: DAVID CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $53K | — | $53K | 6.98% |
| SALLY COKER3 | 38275 N. 103RD PLACE SCOTTSDALE SCOTTSDALE, AZ 85262 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 2.99% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE #700 LONG BEACH LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE #700 LONG BEACH LONG BEACH, CA 90802 | CIGNA GROUP INSURANCE | $198K | — | $198K | 1000.03% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE #700 LONG BEACH LONG BEACH, CA 90802 | CIGNA GROUP INSURANCE | $185K | — | $185K | 1000.05% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $871 | — | $871 | 10.00% |
| DAVID GEORGE CARVER3 Filed as: DAVID CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $594 | — | $594 | 7.00% |
| SALLY COKER3 | 38275 N. 103RD PLACE SCOTTSDALE SCOTTSDALE, AZ 85262 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $254 | — | $254 | 2.99% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE #700 LONG BEACH LONG BEACH, CA 90802 | CIGNA GROUP INSURANCE | $290 | — | $290 | 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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 333 | $4.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 307 | $768K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 307 | $759K |
| Life insurance | CIGNA GROUP INSURANCE | 182 | $20K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $74K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 147 | $2.1M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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 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.