| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOY & ASSOCIATES3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FOY & ASSOCIATES3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FOY & ASSOCIATES3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $0 | — | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $3K | $20K | 10.20% |
| VITA INSURANCE ASSOCIATES, INC.3 | STE 200 1451 GRANT ROAD MOUNTAIN VIEW, CA 94040 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 9.02% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | SUITE 340 100 SMITH RANCH ROAD SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $9K | $21K | 13.31% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.86% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | SUITE 340 100 SMITH RANCH ROAD SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 18.56% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, CA 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.98% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 84043 | VISION SERVICES PLAN | -$59 | $0 | -$59 | -0.22% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | SUITE 340 100 SMITH RANCH ROAD SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $218 | $146 | $364 | 10.02% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $14 | $14 | 0.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOY & ASSOCIATES EIN 82-1368960 INSURANCE AGENT & BROKER | Insurance agents and brokers Service code 22 | 21300 VICTORY BLVD, SUITE 700 WOODLAND HILLS, CA 91367 | $205K |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $5.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 527 | $254K |
| Vision | VISION SERVICES PLAN | 186 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $818K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $818K |
| Long-term disability(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.