| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 738 1ST STREET SUITE 202 SAN JOSE, CA 951126371 | KAISER FOUNDATION HEALTH PLAN | $30K | $0 | $30K | 4.67% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS EMPLOYEE BENEFITS INC. | 221 MAIN STREET #1462 LOS ALTOS, CA 940239402 | KAISER FOUNDATION HEALTH PLAN | $3K | $0 | $3K | 0.41% |
| FILICE INSURANCE AGENCY3 Filed as: FELICE INSURANCE AGENCY | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.61% |
| RIS EMPLOYEE BENEFITS INC3 Filed as: RIS DBA KLEINBERG BENEFITS INC | 221 MAIN STREET #1462 LOS ALTOS, CA 940239402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.39% |
| FILICE INSURANCE AGENCY3 Filed as: RON FELICE | 738 N FIRST STREET SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $753 | $0 | $753 | 25.00% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 149 | $655K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 113 | $114K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 113 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.