| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENERATION LLC5 | 2124 RACE ST GROUND FLOOR PHILADELPHIA, PA 19103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 2.35% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 21.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.90% |
| MORRIS JR SAMUEL R3 | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.36% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA AUFDEMBERG INC. | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | — | $5K | 20.72% |
| FILICE INSURANCE AGENCY4 Filed as: FILICE INSURANCE SERVICES LLC | 738 NORTH FIRST ST SAN JOSE, CA 95112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 10.23% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICE INC | FL 6 701 B ST SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $230 | — | $230 | 0.99% |
| LYNN R LIONHOOD4 | 140 POND VIEW DR WATER TOWN, CT 06795 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $92 | — | $92 | 0.40% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $528 | — | $528 | 2.95% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | — |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $4K | $4K | — |
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 | 891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 0 | $0 |
| Dental | BLUE CROSS OF CALIFORNIA | 0 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 896 | $408K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 896 | $408K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 896 | $408K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 0 | $0 |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 896 | $514K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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.