| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $40K | — | $40K | 3.57% |
| 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. | $4K | — | $4K | 0.39% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 23410 LOUISVILLE, KY 40223 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.52% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $5K | $300 | $5K | 5.62% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH ST DAYTONA BEACH, FL 32114 | THE DENTAL CONCERN, INC. | — | $164 | $164 | 0.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | PO BOX 23410 LOUISVILLE, KY 40223 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 9.40% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 4634 GULFSTARR DESTIN, FL 32541 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.60% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $981 | $981 | 1.32% |
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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 269 | $1.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 269 | $1.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 269 | $1.2M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 308 | $195K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 308 | $195K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 308 | $195K |
| Other | HARTFORD LIFE AND ACCIDENT | 308 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.