| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 2.84% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 2.16% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N FIRST ST #202 SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 5.71% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 4.29% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N FIRST ST #202 SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.61% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.39% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N FIRST ST #202 SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.61% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.39% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N FIRST ST #202 SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.60% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.40% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.23% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 N FIRST ST #202 SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.71% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST SAN JOSE, CA 95112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $760 | — | $760 | 4.29% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST SUITE 202 SAN JOSE, CA 95112 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $606 | $4K | 37.55% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $1.9M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $279K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $11K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $151K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $104K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $71K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.