| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD STE 230 DAYTONA BEACH, FL 32117 | HUMANA HEALTH PLAN, INC. | $23K | $4K | $28K | 4.37% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 14.12% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD STE 230 DAYTONA BEACH, FL 32117 | HUMANA INSURANCE COMPANY | $6K | $749 | $7K | 10.63% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 96 | $638K |
| Dental | HUMANA INSURANCE COMPANY | 95 | $64K |
| Vision | HUMANA INSURANCE COMPANY | 95 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 114 | $96K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 114 | $96K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 114 | $96K |
| Other | HARTFORD LIFE AND ACCIDENT | 114 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.