| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC DBA | FILICE INSURANCE AGENCY 738 N FIRST ST, STE 202 SAN JOSE, CA 95112 | AETNA LIFE INSURANCE CO. | $27K | — | $27K | 2.47% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 2.10% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC DBA | FILICE INSURANCE AGENCY 738 N FIRST ST, STE 202 SAN JOSE, CA 95112 | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 0.48% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | DBA FILICE INC 738 N 1ST STE 202 SAN JOSE, CA 95112 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.95% |
| ACRISURE LLC3 | 2625 W PETERSON AVE CHICAGO, IL 60659 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.47% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N 1ST ST SAN JOSE, CA 95112 | PRINCIPAL LIFE INSURANCE COMPANY | -$14 | $777 | $763 | 0.52% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST, STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $160 | $6K | 4.99% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 220 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $147K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $147K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $147K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.