| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 14.46% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 5.10% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | UNITED CONCORDIA INSURNACE COMPANY | $4K | — | $4K | 9.23% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $840 | $4K | 11.68% |
| PLANSOURCE BENEFITS ADMINISTRATION | 101 S. GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $878 | $878 | 2.52% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $852 | — | $852 | 9.10% |
| FILICE INSURANCE AGENCY Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | SAFEGUARD HEALTH PLANS, INC. | $85 | — | $85 | 10.35% |
| PLANSOURCE BENEFITS ADMINISTRATION | 101 S. GARLAND AVE STE 203 ORLANDO, FL 328013277 | SAFEGUARD HEALTH PLANS, INC. | — | $26 | $26 | 3.17% |
| INTREPID Filed as: INTREPID SOLUTIONS INSURANCE SERVIC | 1500 QUAIL ST. NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $55 | — | $55 | 8.77% |
| ASCENSION BENEFITS ADVISORS | 6 POMEGRANATE ST LADERA RANCH, CA 92694 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $6 | — | $6 | 0.96% |
| CHARLES DUANCE SMITH | 4040 EAST PIEDMONT DRF HIGHLAND, CA 92346 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $6 | — | $6 | 0.96% |
| BENEFITS COORDINATOR | PO BOX 727 ARTESIA, CA 90702 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $3 | — | $3 | 0.48% |
| JOHN D EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACIDENT INSURANCE COMPANY | $2 | — | $2 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. | Participant communication; Contract Administrator; Claims processing; Named fiduciary; Other services; Non-monetary compensation; Direct payment from the plan; Float revenue Service code 12 | — | $0 |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $346K |
| Dental(4 contracts, 4 carriers) | UNITED CONCORDIA INSURNACE COMPANY | 269 | $91K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $35K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $35K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $35K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.