| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | THE STANDARD COMPANY | $17K | — | $17K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | MERITAIN HEALTH | — | $25K | $25K | 31.54% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | THE STANDARD COMPANY | $6K | — | $6K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 10.00% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 9.96% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.84% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $675 | $217 | $892 | 3.42% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $4 | $153 | 0.59% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN GOODMAN | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.52% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $46 | $67 | 0.26% |
| AMY E COHEN3 Filed as: AMY L FARNSLEY | 5900 HICKMAN CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.21% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.20% |
| PHILLIP EDWARD HOLSTEIN3 | 8559 HALLEY DRIVE DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.13% |
| ANDREA BETH HOLSTEIN3 | 8559 HALLEY DRIVE DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBRUSH LN LANCASTER, NY 14086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | THE STANDARD COMPANY | $4K | — | $4K | 15.30% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 10.00% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 157 | $39K |
| Vision | DELTA DENTAL OF KENTUCKY | 140 | $10K |
| Life insurance | THE STANDARD COMPANY | 250 | $25K |
| Short-term disability | THE STANDARD COMPANY | 75 | $40K |
| Long-term disability | THE STANDARD COMPANY | 175 | $111K |
| Prescription drug | MERITAIN HEALTH | 84 | $80K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS | 84 | $327K |
| Other(2 contracts, 2 carriers) | MERITAIN HEALTH | 84 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.