| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 738 N 1ST STREET SUITE 202 SAN JOSE, CA 951126371 | KAISER FOUNDATION HEALTH PLAN INC. | $46K | — | $46K | 2.47% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | P.O. BOX 1414 MINNEAPOLIS, MN 554801414 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | $10 | $29K | 1.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 945240668 | KAISER FOUNDATION HEALTH PLAN INC. | $120 | — | $120 | 0.01% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $11K | 5.31% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 554022105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 4.69% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $2K | — | $2K | 6.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | ONE BAYWOOD PLAZA, 1350 BAYSHORE HI BURLINGAME, CA 94010 | VISION SERVICE PLAN | $848 | — | $848 | 2.54% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 25.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 554022105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $861 | — | $861 | 5.10% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $827 | — | $827 | 4.90% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.99% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 25.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $250 | — | $250 | 5.55% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 554022105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $200 | — | $200 | 4.44% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $224 | — | $224 | 24.97% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 318 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $207K |
| Vision | VISION SERVICE PLAN | 163 | $33K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $5K |
| Short-term disability(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 91 | $44K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 318 | $1.9M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.