| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN, INC. | $22K | — | $22K | 4.95% |
| ACRISURE LLC3 Filed as: ACRISURE PATNRS WEST COAST INS SVCS | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.80% |
| ACRISURE LLC3 Filed as: ACRISURE PTNRS WEST COAST INS SVCS | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 13.80% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | INSURANCE SERVICES LLC 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1K | — | $1K | 4.17% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE CAMPBELL, CA 95008 | VISION SERVICE PLAN | $238 | — | $238 | 0.81% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 3155 OLSEN DRIVE 4TH FLOOR SAN JOSE, CA 95117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 17.91% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST | 3155 OLSEN DRIVE SUITE 400 SAN JOSE, CA 95117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $640 | — | $640 | 4.09% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 3155 OLSEN DRIVE 4TH FLOOR SAN JOSE, CA 95117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 17.86% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST | 3155 OLSEN DRIVE SUITE 400 SAN JOSE, CA 95117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $467 | — | $467 | 4.14% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 3155 OLSEN DRIVE 4TH FLOOR SAN JOSE, CA 95117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 17.84% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST | 3155 OLSEN DRIVE SUITE 400 SAN JOSE, CA 95117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $364 | — | $364 | 4.16% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 38 | $439K |
| Vision | VISION SERVICE PLAN | 175 | $29K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $100K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $82K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 38 | $439K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 67 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.