| 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 | 10.28% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $38 | $38 | 0.04% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN ST STE 1500 LOUISVILLE, KY 40202 | PARAMOUNT DENTAL | $4K | $0 | $4K | 10.00% |
| R H CLARSKON FINANCIAL SERVICES INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | PARAMOUNT DENTAL | $2K | $0 | $2K | 10.00% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN ST STE 1500 LOUISVILLE, KY 40202 | PARAMOUNT DENTAL | $2K | $0 | $2K | 10.00% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN ST STE 1500 LOUISVILLE, KY 40202 | PARAMOUNT DENTAL | $2K | $0 | $2K | 10.00% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | THE PAUL REVERE LIFE INSURANCE COMPANY | $637 | $19 | $656 | 8.07% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | $0 | $136 | 1.67% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $86 | $40 | $126 | 1.55% |
| VICKIE E LEWIS3 | 6558 STOVALL ROAD CAVE CITY, KY 42127 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.12% |
| MAXHANNAH LLC3 | 686 EAST 234TH ST UNIT A3 BRONX, NY 10466 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION RD LOUISVILLE, KY 40223 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $467 | $1K | 15.64% |
| 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 | $778 | $0 | $778 | 12.06% |
| WILLIAM JACK MITCHELL JR3 | 920 ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $54 | $195 | 3.02% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $79 | $195 | 3.02% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.12% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.05% |
| MEGAN GOODMAN3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| SHAWN WILLIAM FLANDERS3 | 13650 W HILLSBOROUGH AVE TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JANTELLE LAVONNE BONNER3 | 99 N POST OAK LN APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD OLDSMAR, FL 33636 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DANIELS SOLUTIONS LLC3 Filed as: DANIELS SOLUTIONS LIC | 13650 W HILLSBOROUGH AVE TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| SHAWN WILLIAM FLANDERS3 | 13650 W HILLSBORO AVE TAMPA, FL 33653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | PARAMOUNT DENTAL | 53 | $108K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 188 | $106K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 188 | $106K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 188 | $106K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 188 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.