| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | — | $89K | 14.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FWY, SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 5.63% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 5.74% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGUEROA STREET LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.52% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FWY, SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.26% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $672 | — | $672 | 10.01% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE | 1150 MORAGA WAY MORAGA, CA 94556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116 | — | $116 | 9.99% |
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 | 376 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $920K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 272 | $149K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 272 | $149K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $7K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 88 | $284K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.