| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | RIVERSTONE CAPITAL, LLC | $112K | — | $112K | 7.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 7.96% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 13.53% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.95% |
| MICHAEL STUART3 | 28494 WESTINGHOUSE PLACE VALENCIA, CA 91335 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.43% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | EYEMED VISION CARE | $2K | — | $2K | 10.02% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | $307 | — | $307 | 2.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.23% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RIVERSTONE CAPITAL, LLC | 296 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 252 | $151K |
| Vision | EYEMED VISION CARE | 496 | $15K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 308 | $56K |
| Prescription drug | RIVERSTONE CAPITAL, LLC | 296 | $1.6M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 308 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.