| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | UNKNOWN UNKNOWN, VA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $0 | $29K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN UNKNOWN, VA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 3.10% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $435 | $13K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 491814 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 2.26% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $12K | $22K | 11.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 1750 E GOLF RD FL 11 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.68% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.90% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $1.3M |
| Dental | DIRECT DENTAL ADMINISTRATORS, LLC | 261 | $17K |
| Vision | VISION SERVICE PLAN | 271 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $190K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $190K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $190K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 85 | $421K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.