| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 4.62% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 8.87% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $242 | — | $242 | 5.16% |
| WALTOS INSURANCE SERVICES | 1500 QUAIL ST. NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $203 | — | $203 | 4.33% |
| DAVID A. RACKLIFFE Filed as: DAVID A RACKLIFFE | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $95 | — | $95 | 2.03% |
| ASCENSION BENEFITS ADVISORS | 6 POMEGRANATE ST LADERA RANCH, CA 92694 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $49 | — | $49 | 1.04% |
| CHARLES DUANCE SMITH | 4040 EAST PIEDMONT DRF HIGHLAND, CA 92346 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $38 | — | $38 | 0.81% |
| ADRIAMA MENDIETA | 29448 TOURS STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $19 | — | $19 | 0.41% |
| JOHN D EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $14 | — | $14 | 0.30% |
| MICHAEL F FAHEY III | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $13 | — | $13 | 0.28% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 NO FIRST STREET SAN JOSE, CA 95112 | ANTHEM BLUE CROSS | $4K | — | $4K | 1821.79% |
| AMWINS Filed as: LISI, INC. | 1600 W HILLSDALE BLVD. SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | — | $905 | $905 | 386.75% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $771K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $88K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $74K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $79K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $74K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.