| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN STREET LOUISVILLE, KY 40202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 6.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $33 | $33 | 0.02% |
| R H CLARSKON FINANCIAL SERVICES INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | PARAMOUNT DENTAL | $4K | $0 | $4K | 10.00% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | THE PAUL REVERE LIFE INSURANCE COMPANY | $649 | $14 | $663 | 8.40% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $141 | $0 | $141 | 1.79% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $76 | $44 | $120 | 1.52% |
| VICKIE E LEWIS3 | 6558 STOVALL ROAD CAVE CITY, KY 42127 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.25% |
| MICHAEL FRANCIS3 | 686 EAST 234TH ST UNIT A3 BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.14% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION RD LOUISVILLE, KY 40223 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.06% |
| MAXHANNAH LLC3 | 686 EAST 234TH ST UNIT A3 BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: R H CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $0 | $679 | 11.74% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $306 | $587 | 10.15% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $70 | $251 | 4.34% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $81 | $194 | 3.35% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $2 | $57 | 0.99% |
| VICKIE E LEWIS3 | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.17% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.16% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.14% |
| ELAISUIS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.05% |
| JANTELLE LAVONNE BONNER3 | 99 N POST OAK LN APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.05% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $65 | $272 | 33.42% |
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: R H CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 16.95% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $39 | $69 | 8.48% |
| WILLIAM JACK MITCHELL JR3 | 920 ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $10 | $31 | 3.81% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION RD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | THE PAUL REVERE LIFE INSURANCE COMPANY | $89 | $2 | $91 | 14.49% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 2.87% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $6 | $18 | 2.87% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NOVA HEALTHCARE ADMINISTRATORS, INC. | 160 | $1.3M |
| Dental | PARAMOUNT DENTAL | 119 | $37K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $181K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $181K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $181K |
| Stop-loss / reinsurancereinsurance | NOVA HEALTHCARE ADMINISTRATORS, INC. | 160 | $382K |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.