| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | EVEREST REINSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $25K | $25K | 3.00% |
| WEX INC3 Filed as: WEX | P.O. BOX 9528 FARGO, ND 58106 | LIFE INSURANCE COMPANY OF AMERICA | $1K | $4K | $5K | 0.60% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 2.93% |
| WEX INC3 Filed as: WEX | PO BOX 9528 FARGO, ND 58106 | LIFE INSURANCE COMPANY OF AMERICA | $1K | $3K | $4K | 0.74% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 2.92% |
| WEX INC3 Filed as: WEX | PO BOX 9528 FARGO, ND 58106 | LIFE INSURANCE COMPANY OF AMERICA | $1K | $3K | $4K | 0.91% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST. NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 2.07% |
| WEX INC3 Filed as: WEX | P.O. BOX 9528 FARGO, ND 58106 | LIFE INSURANCE COMPANY OF AMERICA | $798 | $3K | $4K | 1.72% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD STE 700 SUITE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | COMPSYCH | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $0 | $0 | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | TRAWICK INTERNATIONAL | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $0 | $0 | $0 | 0.00% |
| WEX INC3 Filed as: WEX | PO BOX 9528 FARGO, ND 58106 | LIFE INSURANCE COMPANY OF AMERICA | $1K | $3K | $4K | 272.57% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $56 | $56 | 3.52% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| WEX INC3 Filed as: WEX | PO BOX 9528 FARGO, ND 58106 | LIFE INSURANCE COMPANY OF AMERICA | $1K | $3K | $4K | 300.69% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $48 | $48 | 3.32% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | P.O. BOX 650334 DALLAS, TX 75265 | $7.6M |
| UNITEDHEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | P.O. BOX 30555 SALT LAKE CITY, UT 84130 | $1.2M |
| PETER C. FOY & ASSOCIATES EIN 82-1368960 INSURANCE AGENT & BROKER | Insurance agents and brokers Service code 22 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | $0 |
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 | 2,267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 12 | $85K |
| Dental(10 contracts, 10 carriers) | AETNA LIFE INSURANCE | 3,415 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,822 | $365K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 2,267 | $845K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 2,267 | $585K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 1,983 | $2.7M |
| Other(9 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,267 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,415 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.