| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $46K | $311 | $46K | 6.32% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST SAN JOSE, CA 95112 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 15.11% |
| ACRISURE LLC3 | 2625 W PETERSON AVE CHICAGO, IL 60659 | PRINCIPAL LIFE INSURANCE COMPANY | — | $305 | $305 | 0.55% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | GUARDIAN | $3K | $697 | $3K | 16.73% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $574 | — | $574 | 3.00% |
| FILICE INSURANCE AGENCY3 | 738 NORTH 1ST STREET SAN JOSE, CA 95112 | HEALTHIEST YOU | $2K | — | $2K | 15.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $792 | $263 | $1K | 13.32% |
| FILICE INSURANCE AGENCY3 | 738 NORTH 1ST STREET SAN JOSE, CA 95112 | LANDMARK HEALTHPLAN | $764 | — | $764 | 10.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $733 | — | $733 | 10.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $469 | $156 | $625 | 13.32% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 83 | $732K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 88 | $55K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 77 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $8K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 76 | $42K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.