| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 738 N 1ST STREET STE 202 SAN JOSE, CA 951126371 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | $880 | $32K | 3.76% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INSURANCE | AGENCY LLC 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | KAISER FOUNDATION HEALTH PLAN, INC. | $15K | — | $15K | 1.75% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 2628 ENTERPRISE CT LAKE FOREST, CA 92630 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 5.47% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INSURANCE | AGENCY, LLC 3415 BROOKSIDE ROAD STE 100 STOCKTON, CA 95219 | PREMIER ACCESS INSURANCE COMPANY | $310 | — | $310 | 0.50% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N 1ST STREET STE 202 SAN JOSE, CA 951126371 | VISION SERVICE PLAN | $838 | — | $838 | 5.98% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN, AN ALERA GROUP INSURANCE | AGENCY LLC 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | VISION SERVICE PLAN | $434 | — | $434 | 3.10% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISE | 738 N FIRST STREET SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16 | $3 | $19 | 12.18% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 142 | $839K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 186 | $62K |
| Vision | VISION SERVICE PLAN | 98 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $156 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $156 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.