| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21700 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN | $0 | $0 | $0 | 0.00% |
| 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 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 325 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| 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 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | MHN | $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 | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF NORTH CAROLINA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21700 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | NEW YORK LIFE GROUP INSURANCE CO OF NY | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF VIRGINIA | $0 | $0 | $0 | 0.00% |
| 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 TEXAS | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF NEW JERSEY | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF FLORIDA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF PENNSYLVANIA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF ARIZONA | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF DELAWARE | $0 | $0 | $0 | 0.00% |
| PETER C. FOY & ASSOCIATES3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA DENTAL HEALTH OF COLORADO | $0 | $0 | $0 | 0.00% |
| 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 | $1.6M |
| PETER C. FOY & ASSOCIATES EIN 95-4281021 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 | 2,823 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 445 | $2.4M |
| Dental(12 contracts, 12 carriers) | AETNA LIFE INSURANCE COMPANY | 3,992 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,308 | $418K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 2,823 | $797K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 2,823 | $522K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,798 | $2.9M |
| Other(8 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 6,365 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,365 | — |
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."
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.