| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | $0 | $80K | 5.38% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 2500 WEST EXECUTIVE PARKWAY SUITE 200 LEHI, UT 80185 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | $0 | $58K | 3.95% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C. FOY & ASSOC INS SVCS, INC. | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 83892 | UNITEDHEALTHCARE INSURANCE COMPANY | -$51K | $0 | -$51K | -3.46% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER FOY AND ASSOCIATES | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $348 | $0 | $348 | 1.15% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $30K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $30K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.