| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | — | $41K | $41K | 3.45% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | — | $22K | $22K | 1.82% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 7.12% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.78% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 18.19% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $635 | — | $635 | 2.76% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 20.24% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $454 | — | $454 | 2.64% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $660 | $2K | 18.55% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $294 | — | $294 | 2.81% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $406 | $203 | $609 | 18.21% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 2.87% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 102 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $81K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $81K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 66 | $23K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 102 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.