| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 10471 GRANT LINE RD SUITE 100 ELK GROVE, CA 95624 | BERKSHIRE HATHAWAY SPECIALTY INS CO | $64K | — | $64K | 12.50% |
| BENEFITS AMERICA INSURANCE SERVICES3 Filed as: XL BENEFITS INSURANCE SERVICES | — | BERKSHIRE HATHAWAY SPECIALTY INS CO | $5K | — | $5K | 1.00% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 0.99% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $3K | $27K | 17.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $2K | $20K | 17.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $11K | 17.00% |
| FOUNDATION RISK PARTNERS CORP3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $6K | — | $6K | 20.00% |
| MCCONNELL INSURANCE AGENCY SERVICES3 | ATTN JOHN MCCONNELL MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $787 | — | $787 | 3.06% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS LLC | 2785 MAYFIELD HIGHWAY BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | $7 | $633 | 2.47% |
| ANDREW THOMAS DONOHOO3 | 2250 HAL DR MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 1.66% |
| KING INSURANCE AGENCY3 Filed as: KING INSURANCE SERVICES INC | 1300 JOHNSON BLVD MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.81% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | DBA RISK STRATEGIES COMPANY PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.18% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.17% |
| KRISTIN BENNETT3 | 1462 HAMILTON CT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.15% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| FOUNDATION RISK PARTNERS CORP3 | — | TELADOC | $3K | — | $3K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $240 | $2K | 17.00% |
| ANDREW THOMAS DONOHOO3 | 2250 HAL DR MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 15.08% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS LLC | 2785 MAYFIELD HWY BENTON, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $8 | $367 | 4.87% |
| MCCONNELL INSURANCE AGENCY SERVICES Filed as: MCCONNELL INSURANCE AGENCY SERVICE | ATTN JOHN MCCONELL MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.74% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| KAREIM R CADE3 | 29177 WELLINGTON CT SOUTHFIELD, MI 48034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| KENNETH JAMES BOWERY3 | 3090 MAIN STREET #2 MARLETTE, MI 48453 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| GREAT LAKES BENEFIT GROUP3 Filed as: GREAT LAKES BENEFIT GROUP LLC | 512 NORTH MAIN STREET ROYAL OAK, MI 48067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $347K |
| ANTHEM HEALTH PLANS OF KY INC EIN 61-1237516 ADMIN | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $8K |
| FOUNDATION RISK PARTNERS, CORP. BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1540 CORNERSTONE BLVD DAYTONA BEACH, NC 32117 | $852 |
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 | 653 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,079 | $309K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 653 | $89K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 40 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $118K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKSHIRE | 488 | $1.0M |
| Other(8 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 707 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,079 | — |
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.