| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.77% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 780 W. GRANADA BLVD. ORMOND BEACH, FL 32174 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.60% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 1701 HERMITAGE BLVD. STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.43% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | $20 | $188 | 0.46% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | 804 E WINDWARD WAY APT 511 LANTANA, FL 33462 | AFLAC | $9K | $203 | $9K | 41.66% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $48K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $41K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.