| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES | 1150 MORAGA WAY MORAGA, CA 94556 | CALIFORNIACHOICE | $39K | — | $39K | 5.01% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 1150 MORAGA WAY MORAGA, CA 94556 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $531 | $10K | 9.49% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.97% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 95008 | AFLAC | $382 | — | $382 | 12.41% |
| LORI ALBRANDT3 | 206 MORGAN ST SUISUN CITY, CA 94585 | AFLAC | $246 | — | $246 | 7.99% |
| MINES INSURANCE SERVICES INC3 | 1519 BARTH AVE RICHMOND, CA 94806 | AFLAC | $136 | — | $136 | 4.42% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DR SANTA ROSA, CA 95403 | AFLAC | $92 | — | $92 | 2.99% |
| LORI ALBRANDT3 | 731 SUMMERISE LN AURORA, NC 27806 | AFLAC | $59 | — | $59 | 1.92% |
| ACRISURE LLC3 | 2033 GATEWAY PL STE 150 SAN JOSE, CA 95110 | AFLAC | $24 | — | $24 | 0.78% |
| TRULY B. PINEDA3 Filed as: TRULY B PINEDA | 3665 MOUNT ACADIA BLVD SAN DIEGO, CA 92111 | AFLAC | $21 | — | $21 | 0.68% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $5 | — | $5 | 0.16% |
| KRISTINA J KUNZ3 | 108 MADRONE AVE SAN FRANCISCO, CA 94127 | AFLAC | $5 | — | $5 | 0.16% |
| RUBEN ROSA3 | 933 LEE DR STE 200 ORLANDO, FL 32810 | AFLAC | $3 | — | $3 | 0.10% |
| RUBEN ROSA3 | 5307 SEPULVEDA BLVD APT 118 SHERMAN OAKS, CA 91411 | AFLAC | $1 | — | $1 | 0.03% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 98 | $781K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $109K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $109K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.