| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 15.29% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD STE 230 DAYTONA BEACH, FL 32117 | THE DENTAL CONCERN, INC. | $4K | $2K | $6K | 22.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 ADMIN/NETWORK PHARMACY | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $64K |
| FOUNDATION RISK PARTNERS CORP | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $24K |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN, INC. | 209 | $27K |
| Vision | THE DENTAL CONCERN, INC. | 209 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 276 | $63K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 276 | $63K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 276 | $63K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 389 | $154K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 276 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.