| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | P.O. BOX 30555 SALT LAKE CITY, UT 84130 | $958K |
| PETER C. FOY EIN 95-4281021 INSURANCE AGENT & BROKER | Insurance agents and brokers Service code 22 | 6300 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 | 2,769 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 571 | $2.4M |
| Dental(8 contracts, 8 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,808 | $2.0M |
| Vision | VISION SERVICE PLAN | 2,198 | $318K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,769 | $363K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,769 | $349K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,769 | $359K |
| Other(7 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,769 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,769 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.