| 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. | $11K | $1K | $12K | 2.80% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RDZA LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $2K | $1K | $3K | 0.75% |
| FIFTH THIRD INSURANCE AGENCY INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $1K | $8K | 15.40% |
| FOUNDATION RISK PARTNERS CORP3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 2.44% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD STE 230 DAYTONA BEACH, FL 32117 | THE DENTAL CONCERN, INC. | $3K | $491 | $4K | 9.40% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RDZA LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $723 | $581 | $1K | 3.29% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 70 | $441K |
| Dental | THE DENTAL CONCERN, INC. | 68 | $40K |
| Vision | THE DENTAL CONCERN, INC. | 68 | $40K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $52K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $52K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.