| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHANT INSURANCE SERVICES INC3 | 3600 MT DIABLO BLVD # 210 LAFAYETTE, CA 94549 | UNITEDHEALTHCARE INSURANCE COMPANY | $88K | — | $88K | 10.68% |
| SHANT INSURANCE SERVICES INC3 | 3600 MT DIABLO BLVD # 210 LAFAYETTE, CA 945493712 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 9.04% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST STE 202 SAN JOSE, CA 951126371 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $246 | $2K | 4.76% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER S JEREMIAH | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GIS BENEFITS INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE - SAN JOSE (HQ) | 900 E. HAMILTON AVE., SUITE 500 CAMPBELL, CA 95008 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.1M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 173 | $13K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 173 | $13K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $43K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.