| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | BLUECROSS BLUESHIELD OF TEXAS | $71K | — | $71K | 3.77% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | $1 | $22K | 5.01% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 4.96% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 11.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | P.O. BOX 411 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.78% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $487 | $487 | 0.44% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | VISION SERVICE PLAN | $1K | — | $1K | 4.59% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 351 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $226K |
| Vision | VISION SERVICE PLAN | 167 | $28K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $82K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $3K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $110K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 45 | $439K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 351 | $1.9M |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.