| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT JAMES KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 0.54% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 0.36% |
| 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 | $4K | $2K | $5K | 7.16% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | $2K | $1K | $4K | 7.17% |
| 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 | $1K | $489 | $2K | 7.20% |
| 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 | $957 | $365 | $1K | 6.90% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $957 | — | $957 | 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 | $885 | $296 | $1K | 6.67% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $885 | — | $885 | 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 | $880 | $325 | $1K | 6.85% |
| ROB KIDWELL3 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $880 | — | $880 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROBERT JAMES KIDWELL BROKER | Insurance agents and brokers Service code 22 | 1901 GOLDEN WAY MOUNTAIN VIEW, CA 94040 | $72K |
| FILICE INSURANCE SERVICES, LLC BROKER | Insurance agents and brokers Service code 22 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | $48K |
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 | 341 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 625 | $3.2M |
| Dental | AETNA LIFE INSURANCE CO. | 625 | $3.2M |
| Vision | AETNA LIFE INSURANCE CO. | 625 | $3.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $50K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.