| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY ROAD SUITE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $910 | — | $910 | 0.42% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 10.43% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 4.35% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 10.96% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY, INC. | — | TELADOC | $1K | — | $1K | 14.99% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $578 | — | $578 | 9.40% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLANDSTIVERS EMP SOL | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $268 | — | $268 | 9.56% |
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. |
| 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 141 | $43K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 105 | $216K |
| Life insurance(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 83 | $70K |
| Short-term disability(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 83 | $70K |
| Long-term disability(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 83 | $70K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 105 | $216K |
| Other(5 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 124 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.