| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 10.00% |
| JAI SINGH3 | 3400 MT DIABLO BLVD STE 210 LAFAYETTE, CA 945493919 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 5.55% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 950080667 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 4.92% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE - SAN JOSE (HQ) | 900 E. HAMILTON AVE., SUITE 500 CAMPBELL, CA 95008 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.64% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER S JEREMIAH | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 13.85% |
| GIS BENEFITS INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $416 | — | $416 | 1.16% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $915K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 224 | $69K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 224 | $69K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 208 | $36K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 208 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.