| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | CALIFORNIA PHYSICIANS SERVOCE | $0 | $56K | $56K | 4.89% |
| CLAREMONT BUSINESS GROUP3 | 1000 BURNETT AVENUE, SUITE 440 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS SERVOCE | $24K | $0 | $24K | 2.11% |
| SINGLEPOINT INSURANCE SERVICES, INC3 Filed as: SINGLEPOINT INS. SERVICES, INC. | 500 HOPYARD ROAD, SUITE 328 PLEASANTON, CA 94588 | CALIFORNIA PHYSICIANS SERVOCE | $0 | $5K | $5K | 0.43% |
| FILICE INSURANCE AGENCY3 | 738 NORTH 1ST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 4.60% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $190 | $4K | 3.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $711 | $4K | 2.86% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 1762 TECHNOLOGY DRIVE, SUITE 126 SAN JOSE, CA 95110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.83% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.99% |
| SINGLEPOINT INSURANCE SERVICES, INC3 Filed as: SINGLEPOINT INS. SERVICES, INC. | 500 HOPYARD ROAD, SUITE 328 PLEASANTON, CA 94588 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $997 | $0 | $997 | 0.95% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.22% |
| SINGLEPOINT INSURANCE SERVICES, INC3 Filed as: SINGLEPOINT INS. SERVICES, INC. | 500 HOPYARD ROAD, SUITE 328 PLEASANTON, CA 94588 | VISION SERVICE PLAN | $189 | $0 | $189 | 0.81% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVOCE | 110 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $146K |
| Vision | VISION SERVICE PLAN | 145 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $105K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $105K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVOCE | 110 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.