| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $0 | $14K | $14K | 3.62% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $0 | $13K | $13K | 4.04% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE WOODLAND HILLS, CA 91367 | LINCOLN NATIONAL LIFE INSURANCE | $0 | $12K | $12K | 3.75% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $0 | $11K | $11K | 3.73% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $0 | $3K | $3K | 3.91% |
| ANTHEM INSURANCE COMPANIES, INC.0 Filed as: ANTHEM INSURANCE COMPANIES | 21555 OXNARD STREET WOODLAND HILLS, CA 91367 | FOUR EVER LIFE INSURANCE CO. | $0 | $1K | $1K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | P.O BOX 30555 SALT LAKE CITY, UT 84130 | $784K |
| PETER C. FOY & ASSOCIATES EIN 95-4281021 INSURANCE AGENT & BROKER | Insurance agents and brokers Service code 22 | 6200 CANOGA AVENUE SUITE 325 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 | 2,360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN REGION | 703 | $2.9M |
| Dental(2 contracts, 2 carriers) | BRIGHTER INC. | 1,585 | $1.7M |
| Vision | VISION SERVICE PLAN | 1,889 | $276K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE | 2,360 | $311K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 2,356 | $304K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 2,360 | $323K |
| Other(7 contracts, 5 carriers) | UNITED HEALTHCARE SERVICES, INC. | 2,360 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.