| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $6K | $30K | 12.26% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 17.46% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.11% |
| THREEFLOW3 | 306 ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $528 | — | $528 | 1.26% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD 200 LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $739 | $4K | 16.56% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $554 | $3K | 16.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMIN SERVICES | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $505K |
| FOUNDATION RISK PARTNERS EIN 81-5191759 BROKER | Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | $68K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $20K |
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 | 553 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 657 | $42K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $244K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $244K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $244K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE CO | 745 | $1.1M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 553 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.