| 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 | $40K | — | $40K | 5.99% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.47% |
| PLANSOURCE BENEFITS ADMINISTRATION | 101 S. GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.39% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $901 | — | $901 | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION | 101 S. GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $710 | — | $710 | 7.88% |
| INTREPID Filed as: INTREPID SOLUTIONS INSURANCE SERVIC | 1500 QUAIL ST. NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $50 | — | $50 | 7.46% |
| ASCENSION BENEFITS ADVISORS | 6 POMEGRANATE ST LADERA RANCH, CA 92694 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $6 | — | $6 | 0.90% |
| CHARLES DUANCE SMITH | 4040 EAST PIEDMONT DRF HIGHLAND, CA 92346 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $5 | — | $5 | 0.75% |
| BENEFITS COORDINATOR | 29448 TOURS STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $3 | — | $3 | 0.45% |
| JOHN D EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $2 | — | $2 | 0.30% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $675K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $65K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $66K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $65K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
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.