| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 951126371 | BLUE CROSS OF CALIFORNIA | $24K | — | $24K | 3.71% |
| RED GORILLA INC.3 Filed as: RED GORILLA TOO LLC | 625 THE CITY DRIVE S., SUITE 250 ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | 2.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $7K | $7K | 1.11% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 951126371 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 2.67% |
| RED GORILLA INC.3 | 625 THE CITY DRIVE S., SUITE 250 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 1.68% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 951126371 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 6.64% |
| TEAM GOOD GUY INSURANCE SERVICES3 | 15 PAMPLONA COURT SAN RAMON, CA 94583 | UNITED CONCORDIA INSURANCE COMPANY | $298 | — | $298 | 0.84% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 951126371 | SUN LIFE ASSURANCE COMPANY OF CANADA | $685 | — | $685 | 4.06% |
| RED GORILLA INC.3 | 625 THE CITY DRIVE S., SUITE 250 ORANGE, CA 92868 | SUN LIFE ASSURANCE COMPANY OF CANADA | $587 | — | $587 | 3.48% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 951126371 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $657 | — | $657 | 5.61% |
| BENEFORCE INSURANCE SOLUTIONS3 Filed as: BENEFORCE INSURANCE | 625 THE CITY DRIVE S., SUITE 250 ORANGE, CA 92868 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $330 | — | $330 | 2.82% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 951126371 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $593 | — | $593 | 6.61% |
| TEAM GOOD GUY INSURANCE SERVICES3 | 15 PAMPLONA COURT SAN RAMON, CA 94583 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $80 | — | $80 | 0.89% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 99 | $871K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 50 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 131 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $17K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 99 | $871K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.