| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | BLUE SHIELD OF CALIFORNIA | $0 | $98K | $98K | 3.11% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD #200 MOUNTAIN VIEW, CA 94040 | BLUE SHIELD OF CALIFORNIA | $0 | $68K | $68K | 2.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA | $6K | — | $6K | 0.19% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT RD, SUITE 200 MOUNTAIN VIEW, CA 94040 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | $10 | $20K | 4.68% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST, STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $243 | $12K | 2.78% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES | 1451 GRANT ROAD SUITE 200 MOUNTAIN VIEW, CA 94040 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $26K | — | $26K | 7.92% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 738 N 1ST STREET #202 SAN JOSE, CA 95112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 5.89% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 9.48% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES INC | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.36% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 228 | $3.6M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 281 | $333K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 281 | $333K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 284 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 284 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 284 | $135K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 228 | $3.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 284 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
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.