| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | $9K | $60K | 3.10% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | KAISER FOUNDATION HEALTH PLAN INC. | $50K | $5 | $50K | 4.65% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | UNIMERICA LIFE INSURANCE SERVICES | $7K | — | $7K | 7.80% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $3.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $1.9M |
| Life insurance | UNIMERICA LIFE INSURANCE SERVICES | 240 | $92K |
| Long-term disability | UNIMERICA LIFE INSURANCE SERVICES | 240 | $92K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $3.0M |
| Other | UNIMERICA LIFE INSURANCE SERVICES | 240 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.