| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 100 OCEANGATE SUITE 800 LONG BEACH, CA 90802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $130K | — | $130K | 13.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS OF WV INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.28% |
| DAVID GEORGE CARVER3 | 100 OCEANGATE #800 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $694 | $7K | 16.57% |
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 100 OCEANGATE #800 LONG BEACH, CA 90802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 9.91% |
| DAVID GEORGE CARVER3 | 100 OCEANGATE #800 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| DAVID GEORGE CARVER3 | 100 OCEANGATE #800 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $206 | $1K | 9.26% |
| DAVID GEORGE CARVER3 | 100 OCEANGATE #800 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.00% |
| RICHARD B HUBER3 Filed as: RICHARD B. HUBER | P.O. BOX 7220 REDLANDS, CA 92373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 100 OCEANGATE SUITE 800 LONG BEACH, CA 90802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $914 | — | $914 | 10.00% |
| JEFFERY P RABBETTS3 | 19240 BOX CANYON ROAD CORONA, CA 92881 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $731 | — | $731 | 8.00% |
| RICHARD B HUBER3 | P.O. BOX 7220 REDLANDS, CA 92373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $816 | — | $816 | 12.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID G. CARVER | 100 OCEANGATE SUITE 800 LONG BEACH, CA 90802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $679 | — | $679 | 9.99% |
| JEFFERY P RABBETTS3 | 19240 BOX CANYON ROAD CORONA, CA 92881 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $544 | — | $544 | 8.01% |
| DAVID GEORGE CARVER3 | 100 OCEANGATE #800 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $200 | $32 | $232 | 9.63% |
| DAVID GEORGE CARVER3 | 100 OCEANGATE #800 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $153 | — | $153 | 8.02% |
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 | 638 | 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) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 276 | $34K |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 671 | $105K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $7K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 650 | $994K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 671 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.