| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASSIDY O'HARA3 Filed as: CASSIDY E. O'HARA | 738 N 1ST ST SAN JOSE, CA 95125 | BLUE SHIELD OF CALIFORNIA | $122 | $213K | $213K | 5.27% |
| CASSIDY O'HARA3 Filed as: CASSIDY E. O'HARA | 1123 CHERRY AVE SAN JOSE, CA 95125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 9.96% |
| CASSIDY O'HARA3 Filed as: CASSIDY E. O'HARA | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 25.00% |
| CASSIDY O'HARA3 Filed as: CASSIDY E. O'HARA | 1123 CHERRY AVE SAN JOSE, CA 951253718 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.75% |
| CASSIDY O'HARA3 Filed as: CASSIDY E. O'HARA | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES, INC. | 738 N 1ST ST SAN JOSE, CA 95112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.19% |
| CYNTHIA LUQUIN3 | 1615 WILSON AVENUE UPLAND, CA 91784 | CONTINENTAL AMERICAN INSURANCE COMPANY | $847 | — | $847 | 3.23% |
| FRANCOISE YVONNE KORENBERG3 Filed as: FRANCOISE Y KORENBERG | 6055 E WASHINGTON BLVD, SUITE 460 COMMERCE, CA 90040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $771 | — | $771 | 2.94% |
| PATRICIA GAIL LEES3 Filed as: PATRICIA G LEES | 1124 CHURCHS CT BURBANK, CA 91501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 2.00% |
| DAVID REESOR3 | 1615 WILSON AVENUE UPLAND, CA 91784 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.69% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MT. HERMON RD #73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.49% |
| DAVID REESOR3 | 1615 WILSON AVENUE UPLAND, CA 91784 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.40% |
| CASSIDY O'HARA3 Filed as: CASSIDY E. O'HARA | 738 N 1ST ST SAN JOSE, CA 95112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $932 | — | $932 | 10.00% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 294 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $206K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $37K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 308 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $88K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.