| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 FRESNO, CA 95112 | KAISER FOUNDATION HEATLH PLAN INC. | $78K | $152 | $79K | 3.07% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEATLH PLAN INC. | $822 | — | $822 | 0.03% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 7.03% |
| CHIMIENTI & ASSOCIATES3 | 3400 W. MINERAL KING AVE., SUITE B VISALIA, CA 93291 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 6.74% |
| CHIMIENTI & ASSOCIATES3 | 3400 W. MINERAL KING AVE., SUITE B VISALIA, CA 93291 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 5.54% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP., INC.-CALIF. | 5110 N 40TH ST., #234 PHOENIX, AZ 850182151 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.50% |
| BHULINDER SIGH GREWAL3 Filed as: BHULINDER SINGH GREWAL | 845 E. GREEN ACRES DR. FRESNO, CA 937202560 | UNITED HEALTHCARE INSURANCE COMPANY | $893 | — | $893 | 0.46% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $901 | $4K | 8.28% |
| CHIMIENTI & ASSOCIATES3 | 3400 W. MINERAL KING AVE., SUITE B VISALIA, CA 93291 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $224 | — | $224 | 0.45% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $547 | $5K | 15.92% |
| CHIMIENTI & ASSOCIATES3 | 3400 W. MINERAL KING AVE., SUITE B VISALIA, CA 93291 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $332 | — | $332 | 1.14% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | UDC DENTAL OF CALIFORNIA, INC. | $588 | — | $588 | 9.76% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $262 | — | $262 | 9.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA BENEFIT SOLUTIONS, INC. EIN 91-1467758 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $23K |
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 | 538 | 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) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEATLH PLAN INC. | 542 | $2.8M |
| Dental(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 298 | $409K |
| Vision | VISION SERVICE PLAN | 0 | $3K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $79K |
| Prescription drug | KAISER FOUNDATION HEATLH PLAN INC. | 542 | $2.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.