| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 Filed as: PETER FOY & ASSOCIATES | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO | $10K | — | $10K | 3.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI OF SOUTHERN CALIFORNIA | 21600 OXNARD ST, 8TH FLOOR WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO | $7K | — | $7K | 2.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI OF SOUTHERN CALIFORNIA | 21700 OXNARD ST WUITE 1200 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO | $0 | $2K | $2K | 0.62% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER FOY & ASSOCIATES | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $274 | — | $274 | 2.92% |
| DEBRA OTTEN4 | 15910 BAYSIDE POINTE W APT 902 FORT MYERS, FL 33908 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $219 | — | $219 | 30.21% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G AUFDEMBERG INC. | 13102 BRITANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $19 | — | $19 | 2.62% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 217 | $268K |
| Dental | AETNA LIFE INSURANCE CO | 217 | $268K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $9K |
| Life insurance | AETNA LIFE INSURANCE CO | 217 | $268K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 217 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.