| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | $193K | $217K | 5.23% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 26 LAKE WIRE DR LAKELAND, FL 33815 | UNITED HEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | METLIFE LEGAL PLANS OF FLORIDA | $3K | — | $3K | 9.80% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | METROPOLITAN GENERAL INSURANCE COMPANY | $880 | — | $880 | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | METROPOLITAN GENERAL INSURANCE COMPANY | $480 | — | $480 | 2.84% |
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 | 632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 831 | $4.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 831 | $4.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 831 | $4.1M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 632 | $368K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 632 | $368K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 632 | $368K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 831 | $4.1M |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 632 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 831 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.