| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC | $50K | $2 | $50K | 4.92% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.45% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $952 | $952 | 0.44% |
| FILICE INSURANCE AGENCY3 | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | SUTTER HEALTH PLAN | $10K | — | $10K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC DBA | FILICE INSURANCE AGENCY 900 E HAMILTON AVE, STE 500 CAMPBELL, CA 95008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 21.60% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 180 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $217K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $217K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $217K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 18 | $5K |
| Prescription drug | SUTTER HEALTH PLAN | 37 | $193K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.