| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | TOKIO MARINE | $50K | — | $50K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $67K | $19K | $86K | 18.87% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD 3200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.49% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 24.97% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $225K |
| FOUNDATION RISK PARTNERS CORP EIN 81-5191759 BROKER | Other commissions Service code 55 | 4634 GULFSTARR DESTIN, FL 32541 | $30K |
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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 272 | $495K |
| Dental | DELTA DENTAL OF KENTUCKY | 462 | $108K |
| Vision | DELTA DENTAL OF KENTUCKY | 373 | $25K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 469 | $458K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 469 | $458K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 469 | $458K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 272 | $495K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 469 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.