| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | $44K | — | $44K | 3.13% |
| INTERNATIONAL PROINSURANCE SERVICES | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 0.69% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3905 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.75% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| FILICE INSURANCE AGENCY3 Filed as: RON FLICE ENTERPRISES, INC. | 738 NORTH FIRST STREET SUITE 202 SAN JOSE, CA 95112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $16K | 17.06% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 NORTH 1ST STREET SUITE 202 SAN JOSE, CA 951126371 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 12.80% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SERVICE | 3926 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 940251055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.88% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 258 | $1.4M |
| Dental(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 314 | $225K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 314 | $225K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $130K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $37K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.