| 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 | 9.99% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $45 | $45 | 0.04% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | HEALTH RESOURCES INC | $6K | $0 | $6K | 10.00% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | HEALTH RESOURCES INC | $3K | $0 | $3K | 10.00% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | HEALTH RESOURCES INC | $2K | $0 | $2K | 10.00% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | HEALTH RESOURCES INC. | $2K | $0 | $2K | 10.00% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $4K | $4K | 44.33% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $744 | $90 | $834 | 9.67% |
| WILLIAM JACK MITCHELL JR3 | 920 ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $8 | $167 | 1.94% |
| 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 | $112 | $0 | $112 | 1.30% |
| MAXHANNAH LLC3 | 686 E 234TH ST, APT A3 BRONX, NY 10466 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.08% |
| VICKIE E LEWIS3 | 6590 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORNSBY STATION RD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 WEST MAIN STREET STE 1502 LOUISVILLE, KY 40202 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 14.96% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $623 | $707 | 11.77% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $246 | $645 | 10.74% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES I | 401 W MAIN ST LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $0 | $374 | 6.23% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $20 | $123 | 2.05% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.12% |
| MEGAN GOODMAN3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
| VICKIE E LEWIS3 | 6590 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RHC GROUP BROKER | Insurance agents and brokers Service code 22 | 401 WEST MAIN STREET, SUITE 1500 LOUISVILLE, KY 40202 | $60K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $47K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $28K |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | HEALTH RESOURCES INC | 187 | $127K |
| Vision(4 contracts) | HEALTH RESOURCES INC | 187 | $127K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $114K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $114K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $114K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 182 | $398K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.