| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 WEST MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $46K | $52K | 4.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $15K | $17K | 1.48% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1945 SCOTTSVILLE ROAD SUITE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.67% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.2M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 123 | $74K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 123 | $74K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 123 | $74K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 123 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.