| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 600 EAST HAMILTON AVENUE SUITE 500 CAMPBELL, CA 95008 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 6.01% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 3.58% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 EAST HAMILTON AVENUE SUITE 500 CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 12.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 E HAMILTON AVENUE CAMPBELL, CA 95008 | VISION SERVICE PLAN | $3K | — | $3K | 5.42% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $3K | — | $3K | 4.61% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 EAST HAMILTO AVENUE SUITE 500 CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $797 | $5K | 12.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 EAST HAMILTON AVENUE SUITE 500 CAMPBELL, CA 95008 | STANDARD ISNURANCE COMPANY | $813 | — | $813 | 7.28% |
| VALENT GROUP3 Filed as: VALENT GROUP LLC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | STANDARD ISNURANCE COMPANY | $401 | — | $401 | 3.59% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $2.7M |
| Dental | STANDARD INSURANCE COMPANY | 203 | $236K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 203 | $71K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $208K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $169K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $169K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $2.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.