| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT JAMES KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 0.52% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.19% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.16% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.71% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $816 | — | $816 | 1.71% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $370 | — | $370 | 1.71% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $774 | — | $774 | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $278 | — | $278 | 1.80% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | — | $657 | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $219 | — | $219 | 1.67% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $608 | — | $608 | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $208 | — | $208 | 1.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROBERT JAMES KIDWELL BROKER | Insurance agents and brokers Service code 22 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | $61K |
| RON FILICE ENTERPRISES, INC BROKER | Insurance agents and brokers Service code 22 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | $22K |
| FILICE INSURANCE SERVICES, LLC BROKER | Insurance agents and brokers Service code 22 | 738 NORTH FIRST STREET, SUITE 2020 SAN JOSE, CA 95112 | $19K |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 618 | $2.9M |
| Dental | AETNA LIFE INSURANCE CO. | 618 | $2.9M |
| Vision | AETNA LIFE INSURANCE CO. | 618 | $2.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $48K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.