| 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 | ANTHEM BLUE CROSS | $6K | — | $6K | 3.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVC. | 28106 AVENUE CROCKER, SUITE A VALENCIA, CA 91355 | ANTHEM BLUE CROSS | — | $4K | $4K | 2.36% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | ANTHEM BLUE CROSS | $3K | — | $3K | 1.66% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | AETNA LIFE INSURANCE | $7K | — | $7K | 9.30% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 1350 TREAT BLVD., SUITE 470 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE | $2K | — | $2K | 3.05% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | AETNA LIFE INSURANCE | $482 | — | $482 | 0.67% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE AGENCY, INC. | 738 N. FIRST ST., SUITE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $134 | — | $134 | 6.44% |
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) | ANTHEM BLUE CROSS | 5 | $190K |
| Dental | AETNA LIFE INSURANCE | 160 | $72K |
| Vision | VISION SERVICE PLAN | 58 | $2K |
| Short-term disability | AETNA LIFE INSURANCE | 160 | $72K |
| Long-term disability | AETNA LIFE INSURANCE | 160 | $72K |
| Prescription drug | ANTHEM BLUE CROSS | 5 | $190K |
| 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."
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.