| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DESTIN, FL 32541 | TOKIO MARINE HCC | $40K | — | $40K | 6.54% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | HARTFORD LIFE AND ACCIDENT | $70K | — | $70K | 16.38% |
| FOUNDATION RISK PARTNERS CORP3 | 400 N PONCE DE LEON BLVD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.31% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.31% |
| SANKATY LIGHT BENEFITS INC3 Filed as: SANKATY LIGHT BENEFITS INC. | 13645 DEERING BAR DR. #123 CORAL GABLES, FL 33158 | US FIRE INSURANCE CO | — | $3K | $3K | 1.98% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 9.95% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | TELADOC | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $309K |
| FOUNDATION RISK PARTNERS CORP EIN 81-5191759 BROKER | Other commissions Service code 55 | 4634 GULFSTARR DESTIN, FL 32541 | $7K |
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 | 779 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 887 | $161K |
| Vision | DELTA DENTAL OF KENTUCKY | 763 | $62K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 779 | $430K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 779 | $430K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 552 | $616K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 779 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.