| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $104K | — | $104K | 15.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | BCS INSURANCE COMPANY | $26K | — | $26K | 3.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CT 90071 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | $37K | — | $37K | 5.94% |
| PAM J RAGUS3 | 130 N BRAND BLVD, STE 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | — | $25K | $25K | 4.00% |
| 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) | -$64 | — | -$64 | -0.01% |
| 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 | $27K | — | $27K | 4.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 29.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN | $5K | — | $5K | 3.35% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN | $434 | — | $434 | 0.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 12.38% |
| 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 | — | $7K | $7K | 5.87% |
| PACIFIC ADVISORS LLC3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$9 | — | -$9 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 40.76% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, NC 29601 | 4 EVER LIFE INSURANCE COMPANY | $7K | — | $7K | 18.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | 4 EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 3.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 4.64% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN | $120 | — | $120 | 0.42% |
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 | 597 | 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) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 374 | $2.9M |
| Dental(4 contracts, 2 carriers) | BCS INSURANCE COMPANY | 505 | $1.1M |
| Vision(4 contracts, 2 carriers) | BCS INSURANCE COMPANY | 505 | $1.1M |
| Life insurance(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 505 | $428K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 505 | $306K |
| Prescription drug(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 374 | $2.2M |
| Other(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 505 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.