| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD STE 230 DAYTONA BEACH, FL 321177144 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | $7K | $31K | 18.21% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION RD STE 200 LOUISVILLE, KY 402234207 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION RD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $79 | $3K | 6.62% |
| JAMES FINN3 | 8093 SAINT JOHNS RD FLOYDS KNOBS, IN 47119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $21 | $2K | 3.65% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $776 | $394 | $1K | 2.23% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $146 | $825 | 1.57% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| MEGAN GOODMAN3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| LIG BENEFITS LLC3 | 2127 BEELER ST NEW ALBANY, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE BLVD STE 230 STE 230 DAYTONA BEACH, FL 321177144 | THE DENTAL CONCERN, INC. | $450 | — | $450 | 2.58% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION RD STE 200 LOUISVILLE, KY 402234207 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | $11 | $577 | 5.31% |
| JAMES FINN3 | 8093 SAINT JOHNS RD FLOYDS KNOBS, IN 47119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $3 | $302 | 2.78% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $60 | $197 | 1.81% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $24 | $149 | 1.37% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| MEGAN GOODMAN3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| LIG BENEFITS LLC3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $206K |
| FOUNDATION RISK PARTNERS EIN 81-5191759 NONE | Other commissions Service code 55 | 4634 GULFSTARR DR DESTIN, FL 32541 | $56K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $94K |
| Vision(2 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 300 | $32K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $172K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $172K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $172K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 157 | $625K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 247 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.