| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CALIFORNIA) | — | $73K | $73K | 3.61% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S. MAIN STREET SALT LAKE CITY, UT 84115 | CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CALIFORNIA) | — | $33K | $33K | 1.65% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | GUARDIAN | $15K | $8K | $22K | 6.83% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S. MAIN STREET SALT LAKE CITY, UT 84115 | GUARDIAN | $4K | — | $4K | 1.28% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 3.69% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S. MAIN STREET SALT LAKE CITY, UT 84115 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.09% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE. CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 3.70% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS INC. | 2200 S. MAIN STREET SALT LAKE CITY, UT 84115 | KAISER FOUNDATION HEALTH PLAN INC. | $391 | — | $391 | 0.67% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CALIFORNIA) | 147 | $2.2M |
| Dental | GUARDIAN | 196 | $324K |
| Vision | GUARDIAN | 196 | $324K |
| Life insurance | GUARDIAN | 196 | $324K |
| Short-term disability | GUARDIAN | 196 | $324K |
| Long-term disability | GUARDIAN | 196 | $324K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CALIFORNIA) | 147 | $2.2M |
| Other | GUARDIAN | 196 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.