| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $29K | — | $29K | 3.98% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD SUITE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.37% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $819 | $2K | 6.36% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $748 | $25 | $773 | 2.63% |
| MELODIE D LUNSFORD3 | 1620 OLD ZION CHURCH RD WOODBURN, KY 42170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $452 | — | $452 | 1.54% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $229 | $349 | 1.19% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.78% |
| MEGAN GOODMAN3 | 11918 PERRY CROSSING PARKWAY SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.45% |
| VALERIE D RICH3 | PO BOX 152 BEE SPRING, KY 42207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.41% |
| AMBER WOOD3 | 2530 SCOTTSVILLE RD STE 109 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.35% |
| RTR AL CORP3 | 100 POMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.29% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.17% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.14% |
| AMY E COHEN3 Filed as: AMY L FARNSLEY | 5900 HICKMAN CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LEIGH L ARMSTRONG3 | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| STEVE A CALVERT3 Filed as: STEVE CALVERT | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST. MICHAELS, MD 21663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SUSTEM INC | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $257 | $257 | 3.50% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $748 | — | $748 | 15.01% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD SUITE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $174 | $174 | 3.49% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 91 | $717K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 91 | $717K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 91 | $717K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $5K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.