| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED HEALTHCARE INSURANCE COMPANY | $85K | $1K | $86K | 5.09% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | $237 | $17K | 5.45% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.92% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET PHOENIZ, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $110 | $3K | 2.33% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $105 | $7K | 5.46% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $596 | $3K | 7.52% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $513 | $4K | 14.18% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $182 | $5K | 17.56% |
| ENROLLEASE3 | 1980 FESTIVAL PLAZA DRIVE LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $708 | — | $708 | 2.66% |
| DH INSURANCE SERVICES3 Filed as: D/H INSURANCE SERVICES | 2727 WALSH AVENUE SANTA CLARA, CA 95051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $342 | — | $342 | 1.28% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $133 | $4K | 17.05% |
| ENROLLEASE3 | 1980 FESTIVAL PLAZA DRIVE LAS VEGAS, NV 89135 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $332 | — | $332 | 1.55% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | EYEMED VISION CARE | $2K | — | $2K | 9.95% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 140 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 382 | $148K |
| Vision | EYEMED VISION CARE | 262 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $67K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 25 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $37K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 48 | $429K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.