| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST, STE 202 SAN JOSE, CA 95112 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 6.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.51% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | CHOICEBUILDER | $8K | — | $8K | 10.75% |
| BENEFITMALL3 | — | CHOICEBUILDER | $3K | — | $3K | 4.30% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N FIRST STREET #202 SAN JOSE, CA 95112 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.77% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST ST SAN JOSE, CA 95112 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.44% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N FIRST STREET #202 SAN JOSE, CA 95112 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 19.12% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 38 NORTH FIRST ST SAN JOSE, CA 95112 | STANDARD INSURANCE COMPANY | $829 | — | $829 | 6.44% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N FIRST STREET #202 SAN JOSE, CA 95112 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.79% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST ST SAN JOSE, CA 95112 | STANDARD INSURANCE COMPANY | $741 | — | $741 | 6.44% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $665 | — | $665 | 7.00% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 56 | $463K |
| Dental | CHOICEBUILDER | 59 | $72K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 56 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 93 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 93 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 93 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.