| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC | $112K | $0 | $112K | 3.01% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $325K | $0 | $325K | 19.88% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | BRIGHTER INC. | $51K | — | $51K | 3.99% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 3.68% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF CALIFORNIA | $109K | — | $109K | 20.33% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 3.12% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $11K | $0 | $11K | 4.50% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.57% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.11% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF CALIFORNIA | $3K | $0 | $3K | 3.11% |
| ANTHEM INSURANCE COMPANIES, INC.0 Filed as: ANTHEM INSURANCE COMPANIES | 21555 OXNARD ST. WOODLAND HILLS, CA 91367 | FOUR EVER LIFE INS CO. | — | $2K | $2K | 4.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | FOUR EVER LIFE INS CO. | $1K | — | $1K | 3.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $828 | $0 | $828 | 3.07% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35 | $0 | $35 | 4.48% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9 | $6 | $15 | 7.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1037071 CLAIM ADMINISTRATOR | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $6K |
| CIGNA | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $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 | 2,694 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,694 | $5.9M |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,100 | $3.0M |
| Vision | VISION SERVICE PLAN | 1,748 | $238K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,195 | $614K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,195 | $365K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,694 | $1.6M |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,195 | $885K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,100 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.