| 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. | $43K | — | $43K | 3.88% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INSURA | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 0.75% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INSURA | 3155 OLSEN DR STE 400 SAN JOSE, CA 95117 | SUTTER HEALTH PLAN | $20K | — | $20K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 1150 MORAGA WAY MORAGA, CA 94556 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 13.49% |
| 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 | 3.77% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INSURA | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN, INC. | $367 | — | $367 | 0.82% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT ADVISORS INC | 1936 E DEERE AVE SUITE 120 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.75% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | DBA SUHR RISK SVC OF CA INS BROKERS 5300 STEVENS CREEK BLVD FL 3 SAN JOSE, CA 95129 | TRANSAMERICA LIFE INSURANCE COMPANY | $593 | — | $593 | 2.06% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS SV | 3155 OLSEN DRIVE SUITE 400 SAN JOSE, CA 95117 | TRANSAMERICA LIFE INSURANCE COMPANY | $527 | — | $527 | 1.83% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE COMPANY | $344 | — | $344 | 1.20% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA VANTREO INSURANCE BROKERAGE PO BOX 1788 GRAND RAPIDS, MI 49501 | TRANSAMERICA LIFE INSURANCE COMPANY | $18 | — | $18 | 0.06% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 129 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $108K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $108K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 65 | $29K |
| Prescription drug | SUTTER HEALTH PLAN | 55 | $403K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.