| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENIS SQUERI3 | 8 CREEKLEDGE CT. DANVILLE, CA 945062000 | KAISER FOUNDATION HEALTH PLAN, INC. | $44K | — | $44K | 4.45% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 0.41% |
| DENIS SQUERI3 | 8 CREEKLEDGE CT. DANVILLE, CA 945062000 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.77% |
| DENIS SQUERI3 | 8 CREEKLEDGE CT. DANVILLE, CA 945062000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.42% |
| DENIS SQUERI3 | 8 CREEKLEDGE CT. DANVILLE, CA 945062000 | VISION SERVICE PLAN | $700 | — | $700 | 7.13% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $85 | — | $85 | 0.87% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 143 | $998K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $84K |
| Vision | VISION SERVICE PLAN | 50 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $40K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 143 | $998K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.