| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $113K | — | $113K | 13.47% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | BCS INSURANCE COMPANY | $42K | — | $42K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | BLUE SHIELD OF CALIFORNIA-CALIFORNIA PHYSICIANS' SERVICE | $32K | — | $32K | 7.00% |
| PAM J RAGUS3 | 130 NORTH BRAND BOULEVARD, STE 310 GLENDALE, CA 91203 | BLUE SHIELD OF CALIFORNIA-CALIFORNIA PHYSICIANS' SERVICE | $18K | — | $18K | 4.03% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $26K | — | $26K | 13.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | BCS INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $1 | $10K | 4.96% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 3.90% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 3.92% |
| LL WHITTEN AND ASSOCIATES INC3 Filed as: L L WHITTEN & ASSOCIATES | PO BOX 1810 G FLORENCE, AL 35631 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 17.57% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $9K | — | $9K | 13.59% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, STE 202 SAN JOSE, CA 95112 | BCS INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $4K | — | $4K | 13.77% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | 4 EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.31% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 13.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | 4 EVER LIFE INSURANCE COMPANY | $707 | — | $707 | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $76 | — | $76 | 14.02% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, STE 202 SAN JOSE, CA 95112 | 4 EVER LIFE INSURANCE COMPANY | $27 | — | $27 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC EIN 57-0718839 THIRD PARTY ADMIN | Plan Administrator Service code 14 | — | $206K |
| FILICE INSURANCE AGENCY EIN 77-0261203 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| FIRST HEALTH EIN 20-1736437 PPO NETWORK | Other insurance fees and expenses Service code 73 | — | $0 |
| INSURANCE APPLICATIONS GROUP EIN 57-1117048 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $0 |
| VERISOURCE SERVICES, INC EIN 76-0554001 ENROLLMENT VENDOR | Other fees Service code 99 | — | $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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | BCS INSURANCE COMPANY | 602 | $2.4M |
| Dental(5 contracts, 3 carriers) | BCS INSURANCE COMPANY | 602 | $1.3M |
| Vision(5 contracts, 3 carriers) | BCS INSURANCE COMPANY | 602 | $1.2M |
| Life insurance(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 356 | $171K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 356 | $152K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA-CALIFORNIA PHYSICIANS' SERVICE | 336 | $906K |
| Stop-loss / reinsurancereinsurance(2 contracts) | BCS INSURANCE COMPANY | 112 | $0 |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 336 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.