| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | NATIONWIDE | $42K | — | $42K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 10471 GRANT LINE RD SUITE 100 ELK GROVE, CA 95624 | NATIONWIDE | $21K | — | $21K | 5.00% |
| 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. | $12K | $641 | $12K | 11.44% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 125 EDINBURGH SOUTH DR SUITE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.51% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 125 EDINBURGH SOUTH DR SUITE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.49% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 125 EDINBURGH SOUTH DR SUITE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.82% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 125 EDINBURGH SOUTH DR SUITE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.59% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 125 EDINBURGH SOUTH DR SUITE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $582 | $582 | 3.61% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1701 HERMITAGE BLVD STE 201 TALLAHASSEE, FL 32308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 125 EDINBURGH SOUTH DR SUITE 300 CARY, NC 27511 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $437 | $437 | 3.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY, INC. EIN 61-1237516 ADMIN SERVICES | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $76K |
| FOUNDATION RISK PARTNERS, CORP. SALES, BASECOMM, FEE PAID | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation Service code 22 | — | $23K |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 353 | $107K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 353 | $107K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 353 | $107K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $45K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE | 353 | $522K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.