| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | CALIFORNIA CHOICE | $34K | — | $34K | 4.63% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM RAMSDELL | — | CALIFORNIA CHOICE | $3K | — | $3K | 0.43% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 8.73% |
| KIMBERLY A SCHOTT3 | 5050 HACIENDA DR, #2337 DUBLIN, CA 94568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 3.11% |
| DANIEL H GRIFFIN3 | 104 BURGUNDY CT MARTINEZ, CA 94553 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 2.89% |
| WOODRUFF-SAWYER & CO3 | 88 ROWLAND WAY NOVATO, CA 94945 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 2.20% |
| JON P BATES JR3 Filed as: JON P BATES, JR | 440 REGENTS PARK DR VALLEJO, CA 94591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 1.33% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON E FARRIS-WENDELBERGER | 760 N. GATE RD WALNUT CREEK, CA 94598 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.91% |
| JONATHAN D PAYNE3 | 130 SHORELINE CIR, #472 SAN RAMON, CA 94588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.76% |
| GUILLERMO H PALOMINO3 | 830 BUSH ST, #505 SAN FRANCISCO, CA 94108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.22% |
| JUSTIN M REYNOLDS3 | 11905 PERSIAN TER BRADENTON, FL 34212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | HUMANADENTAL INSURANCE COMPANY | $319 | — | $319 | 8.70% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 100 | $735K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 78 | $79K |
| Vision | CALIFORNIA CHOICE | 100 | $735K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 14 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.