| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE COMPANY, INC. | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED HEALTHCARE INSURANCE COMPANY | $90K | — | $90K | 5.63% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLANS, INC. | $12K | — | $12K | 4.97% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $892 | $3K | 10.45% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | THE GUARDIAN LIFE INSURANCE COMPANY | $813 | — | $813 | 5.28% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $6K | — | $6K | 1815.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FREEWAY, #1100 DALLAS, CA 75244 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | — | $3K | $3K | 883.14% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 447 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 221 | $15K |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 0 | $344 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 214 | $30K |
| Prescription drug | KAISER FOUNDATION HEALTH PLANS, INC. | 63 | $233K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 214 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.