| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | AETNA HEALTH, INC. | $80K | — | $80K | 6.97% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO | $23K | — | $23K | 6.37% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $575 | — | $575 | 4.97% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 198 | $367K |
| Dental | AETNA LIFE INSURANCE CO | 198 | $367K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 356 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $9K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 280 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.