| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | SUTTER HEALTH PLAN | $25K | — | $25K | 5.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN | $17K | — | $17K | 4.72% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $803 | $5K | 5.36% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH ST. SUITE 234 PHOENIX, AZ 850182151 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.52% |
| GREGOR KREMENLIEV3 | 2635 RYAN ROAD CONCORD, CA 94518 | AFLAC | $55 | — | $55 | 3.74% |
| CHARLES CAREY3 | 16215 LYLE STREET SAN LEANDRO, CA 94578 | AFLAC | $22 | — | $22 | 1.49% |
| HORTENCIA LUEVANO3 | 600 MARATHON DR., APT. 136 CAMPBELL, CA 95008 | AFLAC | $21 | — | $21 | 1.43% |
| LINK ALLEN BENEFIT GROUP3 Filed as: LINK ALLEN BENEFIT GROUP, INC. | 910 COWL ST., SUITE 30 MILTON FREEWATER, OR 97862 | AFLAC | $18 | — | $18 | 1.22% |
| GUILLERMO H PALOMINO3 Filed as: GUILLERMO PALOMINO | 2319 E. EDNA AVE. PHOENIX, AZ 85022 | AFLAC | $12 | — | $12 | 0.82% |
| TODD V MASON3 Filed as: TODD MASON | 1607 W. PACIFIC COAST HIGHWAY WILMINGTON, CA 90744 | AFLAC | $3 | — | $3 | 0.20% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 63 | $869K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $94K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 91 | $11K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 63 | $869K |
| Other | AFLAC | 2 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.