| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | SUTTER HEALTH PLAN | $35K | — | $35K | 3.50% |
| WELLSON CHEUNG3 | 1668 EL CAMINO REAL SAN CARLOS, CA 94070 | SUTTER HEALTH PLAN | $15K | — | $15K | 1.50% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | CHINESE COMMUNITY HEALTH PLAN | $8K | — | $8K | 3.50% |
| WELCARE FINANCIAL GROUP3 Filed as: WELCARE FINACIAL GROUP | 1668 EL CAMINOA REAL SAN CARLOS, CA 94070 | CHINESE COMMUNITY HEALTH PLAN | $4K | — | $4K | 1.50% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 3.60% |
| WELLSON CHEUNG3 | 1668 EL CAMINO REAL SAN CARLOS, CA 94070 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 1.54% |
| ROBERT C. PLACAK & ASSOC. INC.3 Filed as: ROBERT C. PLACAK | 790 MISSIN AVENUE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN INC. | — | $1 | $1 | 0.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | PREMIER ACCESS INSURANCE COMPANY | $7K | — | $7K | 5.13% |
| WELLSON CHEUNG3 | 1668 EL CAMINO REAL SAN CARLOS, CA 94070 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 2.20% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | CLAREMONT EAP | $346 | — | $346 | 4.76% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 146 | $1.4M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 200 | $132K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 146 | $1.4M |
| Other | CLAREMONT EAP | 231 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.