| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PTNRS | 700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $10K | $10K | 3.52% |
| FOUNDATION RISK PARTNERS CORP3 | STE 230 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | HUMANA DENTAL INSURANCE COMPANY | $12K | — | $12K | 8.26% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREED, CA 94598 | ANTHEM INSURANCE COMPANIES, INC | $7K | $576 | $8K | 12.50% |
| FOUNDATION RISK PARTNERS CORP3 | STE 230 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | HUMANA INSURANCE COMPANY | $2K | $3 | $2K | 7.60% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 418 | $62K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 177 | $140K |
| Vision | HUMANA INSURANCE COMPANY | 294 | $29K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 542 | $273K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 542 | $273K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 542 | $273K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC | 418 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.