| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY RD STE 200 LOUISVILLE, KY 402234207 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 2.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| W. ALLEN PRIEST CPA PLLC EIN 81-4447200 | Accounting (including auditing) Service code 10 | P O BOX 1197 CRESTWOOD, KY 40014 | $13K |
| STRANCH JENNINGS GARVEY EIN 65-0513048 | Legal Service code 29 | 223 ROSA L PARKS AVENUE SUITE 200 NASHVILLE, TN 37203 | $4K |
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 | 56 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 56 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 56 | $412K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 56 | $412K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 56 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.