| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $102K | $2K | $104K | 3.66% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | ANTHEM LIFE INSURANCE COMPANY | $14K | $2K | $16K | 12.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $900 | $14K | 10.71% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $804 | — | $804 | 2.30% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 2.11% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 1.07% |
| VICKIE E LEWIS3 | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 1.04% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.32% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELLERBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.27% |
| KEVIN BRADLEY3 | 31 COUNTRY CLUB DRIVE LEDYARD, CT 06339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.22% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.12% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 8720 ELBE TRAIL FT WORTH, TX 76118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.09% |
| THOMAS BENEFITS INC3 | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 545 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 503 | $2.9M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 503 | $2.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 503 | $2.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 545 | $133K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $127K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $127K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 308 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.