| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N FIRST ST SAN JOSE, CA 95112 | CALIFORNIA PHYSICIANS' SERVICE | $63K | $1K | $64K | 5.36% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST, STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $1 | $11K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTEPRISE | 738 N FIRST STREET SAN JOSE, CA 95112 | DELTA DENTAL OF CALIFORNIA | $15K | — | $15K | 12.00% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST ST, STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISE | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $599 | $5K | 17.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N 1ST ST., STE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISE | 738 N FIRST STREET SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187 | $37 | $224 | 11.98% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 196 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 274 | $125K |
| Vision | VISION SERVICE PLAN | 107 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $2K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 196 | $1.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.