| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | $93K | — | $93K | 2.93% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $114K | — | $114K | 14.93% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | BCS INSURANCE COMPANY | $38K | — | $38K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | $31K | — | $31K | 5.29% |
| PAM J RAGUS3 | 130 N BRAND BLVD, STE 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | — | $23K | $23K | 4.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CO 95112 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | $4K | — | $4K | 0.71% |
| WHITTEN & ASSOCIATES WORKSITE3 | 419 E TENNESSEE STREET FLORENCE, AL 35630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $3K | $55K | 16.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.15% |
| WHITTEN & ASSOCIATES WORKSITE3 | 419 E TENNESSEE STREET FLORENCE, AL 35630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $3K | $33K | 17.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.47% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 12.73% |
| ENROLLEASE3 | 660 YORK STREET, STE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $472 | — | $472 | 0.27% |
| PACIFIC ADVISORS LLC3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.01% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN | $6K | $176 | $6K | 3.88% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN | $5K | $187 | $5K | 5.16% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, NC 29601 | 4 EVER LIFE INSURANCE COMPANY | $6K | — | $6K | 18.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $4K | — | $4K | 14.85% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | BCS INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $39 | — | $39 | 15.18% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | 4 EVER LIFE INSURANCE COMPANY | $13 | — | $13 | 5.06% |
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 | 1,534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 562 | $5.7M |
| Dental(5 contracts, 2 carriers) | BCS INSURANCE COMPANY | 562 | $1.5M |
| Vision(5 contracts, 2 carriers) | BCS INSURANCE COMPANY | 562 | $1.5M |
| Life insurance(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $730K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $556K |
| Prescription drug(5 contracts, 4 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD OF WEST VIRGINIA | 392 | $5.0M |
| Other(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 496 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.