| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURA AFOA INSURANCE SERVICES, LLC3 Filed as: LAURA AFOA INSURANCE SERVICES LLC | 1777 BOREL PLACE #404 SAN MATEO, CA 94402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 1.65% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $11K | $11K | 1.46% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PL STE 404 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 6.23% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.45% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS BROUP INC | 1000 BURNETT AVE STE 330 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.35% |
| LAURA AFOA INSURANCE SERVICES, LLC3 Filed as: LAURA AFOA INS SERVICES LLC | 1777 BOREL PL STE 404 SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.56% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 1150 MORAGA WAY MORAGA, CA 94556 | METROPOLITAN LIFE INSURANCE COMPANY | $77 | — | $77 | 0.09% |
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PLACE SUITE 511 SAN MATEO, CA 94402 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.89% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | HARTFORD LIFE AND ACCIDENT | $188 | — | $188 | 0.60% |
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 | 20 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 30 | $1.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 88 | $839K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 88 | $86K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 20 | $32K |
| Other | HARTFORD LIFE AND ACCIDENT | 20 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.