| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH 1ST STREET SAN JOSE, CA 95112 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $61K | — | $61K | 2.33% |
| PAUL WHITE3 | 340 MACCORKLE AVE SE STE 200 CHARLESTON, WV 25314 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $21K | — | $21K | 0.81% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $126K | — | $126K | 14.64% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | BCS INSURANCE COMPANY | $43K | — | $43K | 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 | $38K | — | $38K | 5.89% |
| PAM J RAGUS3 | 130 NORTH BRAND BOULEVARD, STE 310 GLENDALE, CA 91203 | BLUE SHIELD OF CALIFORNIA-CALIFORNIA PHYSICIANS' SERVICE | — | $27K | $27K | 4.25% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $2 | $11K | 5.04% |
| WHITTEN & ASSOCIATES WORKSITE3 | 419 E. TENNESSEE STREET FLORENCE, AL 35630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 26.31% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $1 | $7K | 3.78% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 3.58% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $5K | — | $5K | 16.85% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| 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% |
| 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 | 8.96% |
| ACRISURE LLC3 | PO BOX 2897 EVANS, GA 30809 | PRINCIPAL LIFE INSURANCE COMPANY | — | $172 | $172 | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC EIN 57-0718839 THIRD PARTY ADMIN | Plan Administrator Service code 14 | — | $146K |
| 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 |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 635 | $5.6M |
| Dental(3 contracts, 3 carriers) | BCS INSURANCE COMPANY | 523 | $1.2M |
| Vision(3 contracts, 3 carriers) | BCS INSURANCE COMPANY | 523 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $234K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $221K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 265 | $1.8M |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 64 | $0 |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 378 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.