| 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 | — | $71K | $71K | 5.38% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST, STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $143 | $10K | 5.08% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTEPRISES | 738 N FIRST STREET SAN JOSE, CA 95112 | DELTA DENTAL OF CALIFORNIA | $14K | — | $14K | 12.00% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST ST, STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $28 | $2K | 5.08% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $671 | $6K | 17.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N 1ST ST., STE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $1K | — | $1K | 5.89% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $195 | $39 | $234 | 11.99% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 208 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 253 | $117K |
| Vision | VISION SERVICE PLAN | 108 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $2K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 208 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.