| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRP-XL BENEFIT INSURANCE SERVICES3 | 10471 GRANT LINE ROAD STE 100 ELK GROVE, CA 95624 | NATIONWIDE | $22K | — | $22K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 4634 GULFSTARR DESTIN, FL 32541 | THE HARTFORD | $67K | — | $67K | 15.05% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 400 N PONCE DE LEON BLVD SAINT AUGUSTINE, FL 32084 | THE HARTFORD | — | $5K | $5K | 1.14% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $21K | — | $21K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD STE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $124K | — | $124K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY INC EIN 61-1237516 ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $263K |
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 | 589 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 703 | $207K |
| Vision | DELTA DENTAL OF KENTUCKY | 643 | $48K |
| Life insurance | THE HARTFORD | 589 | $442K |
| Short-term disability | THE HARTFORD | 589 | $442K |
| Long-term disability | THE HARTFORD | 589 | $442K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 349 | $450K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 589 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.