| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 E HAMILTON AVE, STE 500 CAMPBELL, CA 95008 | CALIFORNIA PHYSICIANS SERVICE | — | $114K | $114K | 3.05% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL | SERVICES, INC 777 MARINERS ISLAND BLVD, SUITE 250 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | — | $83K | $83K | 2.22% |
| WELDON G KERR3 | RBG SAN JOSE 6155 ALMADEN EXPWY #210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | — | $79K | $79K | 2.11% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SVCS LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN, INC. | $70K | $2 | $70K | 2.33% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $68K | — | $68K | 2.28% |
| ACRISURE LLC3 Filed as: ACRISURE PTNERS WEST COAST INS SVCS | 3155 OLSEN DR STE 400 SAN JOSE, CA 95117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 5.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINCL SVCS INC | 777 MARINERS ISALND BLVD #250 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 4.19% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95000 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.79% |
| ACRISURE LLC3 Filed as: ACRISURE PTNRS WEST COAST INS SVCS | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 7.56% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 7.44% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SRVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC | $2K | — | $2K | 1.89% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN, INC | $487 | — | $487 | 0.59% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 777 MARINERS ISL BLVD, STE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $4K | — | $4K | 5.82% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | INSURANCE SERVICES, LLC 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $3K | — | $3K | 4.15% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 E HAMILTON AVE CAMPBELL, CA 95008 | VISION SERVICE PLAN | $597 | — | $597 | 0.83% |
| FILICE INSURANCE AGENCY3 | 1150 MORAGA WAY MORAGA, CA 94556 | ARMADACARE | $263 | — | $263 | 1.09% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | INC 777 MARINERS ISLAND BLVD, #250 SAN MATEO, CA 94404 | ARMADACARE | $188 | — | $188 | 0.78% |
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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 448 | $6.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 495 | $482K |
| Vision | VISION SERVICE PLAN | 466 | $72K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 538 | $263K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 538 | $263K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 538 | $263K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 448 | $6.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 538 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.