| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 0.86% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE CO | $16K | — | $16K | 15.00% |
| ADP INC0 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE CO | — | $4K | $4K | 4.11% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE CO | $9K | — | $9K | 15.00% |
| ADP INC0 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE CO | — | $4K | $4K | 6.90% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | — | $7K | 15.00% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS LLC | 2785 MAYFIELD HIGHWAY BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $378 | $2K | 4.07% |
| MCCONNELL INSURANCE AGENCY SERVICES3 | ATTN JOHN MCCONNELL MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| ANDREW THOMAS DONOHOO3 | 2250 HAL DR MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | $34 | $745 | 2.00% |
| KING INSURANCE AGENCY3 Filed as: KING INSURANCE SERVICES INC | 1300 JOHNSON BLVD MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.84% |
| ANGELA K ROWLETT LAMPE3 | 4384 VAN CLEAVE ROAD MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.42% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.29% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.21% |
| HOLLANDSTIVERS EMPLOYER SOLUTIONS L3 | 2660 OLIVET CHURCH RD PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | DBA RISK STRATEGIES COMPANY PADUCAH, KY 42001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.09% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.08% |
| SUSAN MAE DANIEL3 | 2713 CAYCE MEADE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| FOUNDATION RISK PARTNERS CORP3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $4K | — | $4K | 10.00% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 5.71% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 | — | TELEDOC | $4K | — | $4K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 23161 VENTURA BLVD STE 100 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | — | $4K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 10.00% |
| MASA AGENTS3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | — | $1K | 6.47% |
| KAREIM R CADE3 | 29177 WELLINGTON CT SOUTHFIELD, MI 48034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.60% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.52% |
| MCCONNELL INSURANCE AGENCY SERVICES Filed as: MCCONNELL INSURANCE AGENCY SERVICE | ATTN JOHN MCCONELL MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.36% |
| KENNETH JAMES BOWERY3 | 3090 MAIN STREET #2 MARLETTE, MI 48453 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| KING INSURANCE AGENCY3 Filed as: KING INSURANCE SERVICES INC | 1300 JOHNSON BLVD MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| ANDREW THOMAS DONOHOO3 | 2250 HAL DR MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.12% |
| GREAT LAKES BENEFIT GROUP3 Filed as: GREAT LAKES BENEFIT GROUP LLC | 512 NORTH MAIN STREET ROYAL OAK, MI 48067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| ANGELA K ROWLETT LAMPE3 | 4384 VAN CLEAVE ROAD MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS LLC | 2785 MAYFIELD HWY BENTON, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| CONSOIDATED FINANCIAL CORPORATION3 | 28411 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | — |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE CO | — | $6K | $6K | — |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $448 | $448 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $139K |
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 ADMIN/NETWORK PHARMACY | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $70K |
| FOUNDATION RISK PARTNERS CORP | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $10K |
| FOUNDATION RISK PARTNERS, CORP. SALES AND BASE COMM PAID | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | $0 |
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 | 761 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,314 | $377K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 0 | $0 |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 405 | $93K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 405 | $37K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKSHIRE | 598 | $748K |
| Other(11 contracts, 6 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 949 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,314 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.