| 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 | $127K | — | $127K | 8.54% |
| RICHARD B HUBER3 | PO BOX 7220 REDLANDS, CA 92373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 12.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| JEFFERY P RABBETTS3 | 19240 BOX CANYON ROAD CORONA, CA 92881 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.00% |
| THERESA M VAUGHN3 | PO BOX 255 NORCO, CA 92860 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| RICHARD B HUBER3 | PO BOX 7220 REDLANDS, CA 92373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 13.38% |
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.15% |
| JEFFERY P RABBETTS3 | 19240 BOX CANYON ROAD CORONA, CA 92881 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.69% |
| THERESA M VAUGHN3 | PO BOX 255 NORCO, CA 92860 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.23% |
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 100 OCEANGATE SUITE 800 LONG BEACH, CA 90802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.98% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 23.01% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.00% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $207 | — | $207 | 8.00% |
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 | 662 | 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) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $38K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 662 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $123K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $87K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 668 | $1.5M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 662 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.