| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA | $53K | — | $53K | 5.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | HUMANA INSURANCE COMPANY | $898 | — | $898 | 10.00% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $682 | — | $682 | 15.01% |
No Schedule C service providers reported on this filing.
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $72K |
| Vision | HUMANA INSURANCE COMPANY | 90 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $30K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 173 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.