| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | INSURANCE SERVICES, INC. 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | KASIER FOUNDATION HEALTH PLAN INC. | $70K | — | $70K | 5.54% |
| PEETER C. FOY & ASSOCIATES3 | INSURANCE SERVICES, INC. 6200 CANOGA AVENU, SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $370 | $8K | 10.49% |
| PETER C. FOY & ASSOCIATES3 | INSURANCE SERVICES, INC. 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $22 | $2K | 10.15% |
| PETER C. FOY & ASSOCIATES3 | INSURANCE SERVICES, INC. 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | COMBINED INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 0.43% |
| PETER C. FOY & ASSOCIATES3 | INSURANCE SERVICES, INC. 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $23 | $1K | 15.29% |
| PETER C. FOY & ASSOCIATES3 | INSURANCE SERVICES, INC. 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $19 | $1K | 15.27% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KASIER FOUNDATION HEALTH PLAN INC. | 229 | $1.3M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $90K |
| Vision | KASIER FOUNDATION HEALTH PLAN INC. | 229 | $1.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $8K |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 165 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
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.