| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 1150 MORAGA WAY MORAGA, CA 94556 | DELTA DENTAL OF MICHIGAN | $42K | — | $42K | 3.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1 HILLCREST DRIVE CHARLETON, WV 25311 | DELTA DENTAL OF MICHIGAN | $18K | — | $18K | 1.50% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90K | $18K | $108K | 10.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2502 N ROCKY POINT DRIVE TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $5K | $32K | 3.01% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $6K | $104K | 27.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 2502 N ROCKY POINT DRIVE TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $32K | 8.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $4K | $30K | 16.15% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $374 | $7K | 3.94% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | UNUM INSURANCE COMPANY | $11K | $1K | $12K | 12.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $5K | $900 | $5K | 5.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 12.43% |
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 | 2,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 3,564 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,518 | $270K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,101 | $1.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,101 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,101 | $1.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,101 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,564 | — |
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.