| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $130K | $309 | $130K | 11.95% |
| RICHARD B HUBER3 | PO BOX 7220 REDLANDS, CA 92373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.94% |
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| JEFFERY P RABBETTS3 | 19240 BOX CANYON ROAD CORONA, CA 92881 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.06% |
| RICHARD B HUBER3 | PO BOX 7220 REDLANDS, CA 92373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.99% |
| DAVID J MCCLELLAN3 Filed as: DAVID G CARVER | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| JEFFERY P RABBETTS3 | 19240 BOX CANYON ROAD CORONA, CA 92881 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| DAVID GEORGE CARVER3 | 400 OCEANGATE SUITE 700 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| CARVER INSURANCE, INC.3 Filed as: CARVER, DAVID/LONG BEACH, CA | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.31% |
| 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 | $215 | — | $215 | 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 | 653 | 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) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $31K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $93K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $82K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 669 | $1.1M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.