| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | AETNA LIFE INSURANCE CO. | — | $14K | $14K | 0.36% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC. | — | $671 | $671 | 0.09% |
| CASSIDY O'HARA3 Filed as: CASSIDY EVAN O'HARA | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 11.06% |
| CASSIDY O'HARA3 Filed as: CASSIDY EVAN O'HARA | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 9.29% |
| CASSIDY O'HARA3 | — | VISION SERVICE PLAN | $1K | — | $1K | 4.08% |
| CASSIDY O'HARA3 Filed as: CASSIDY EVAN O'HARA | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.68% |
| CASSIDY O'HARA3 Filed as: CASSIDY EVAN O'HARA | 738 NORTH FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $957 | $3K | 19.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RON FILICE ENTERPRISES EIN 77-0261203 BROKER | Insurance agents and brokers Service code 22 | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | $138K |
| DIRECT DENTAL ADMINISTRATORS, LLC EIN 94-3270798 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7510 SHORELINE DRIVE STOCKTON, CA 95219 | $37K |
| RON FILICE ENTERPRISES, INC EIN 77-0261203 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 542 | $4.6M |
| Vision | VISION SERVICE PLAN | 316 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $63K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 134 | $720K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.