| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | POMCO | $125K | — | $125K | 8.64% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $840 | $10K | 16.36% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.20% |
| M.T. STUART & COMPANY3 Filed as: STUART MICHAEL T | 28494 WESTINGHOUSE PL VALENCIA, CA 91355 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 0.62% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE325 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMAPNY AND AFFILIATES | $1K | — | $1K | 7.97% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.87% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $123 | $1K | 16.59% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $414 | — | $414 | 8.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $592 | $66 | $658 | 16.66% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | EYEMED VISION CARE | $169 | — | $169 | 9.72% |
| JOHNSON RESOURCES3 Filed as: JOHNSON RESOURCES-AZ | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | $34 | — | $34 | 1.96% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $29 | — | $29 | 7.99% |
| M.T. STUART & COMPANY3 Filed as: STUART MICHAEL T | 28494 WESTINGHOUSE PL VALENCIA, CA 91355 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | $0 | $4 | 1.96% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $11 | — | $11 | 7.69% |
| PETER C. FOY & ASSOCIATES3 | SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $10 | — | $10 | 8.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH PLAN OR ARIZONA, INC. | $4 | — | $4 | 8.33% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $1 | — | $1 | 6.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 INSURANCE CARRIER | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $88K |
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 | 548 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | POMCO | 325 | $1.4M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMAPNY AND AFFILIATES | 296 | $20K |
| Vision | EYEMED VISION CARE | 548 | $2K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $62K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 325 | $310K |
| Other(7 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.