| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 | — | BLUE CROSS AND BLUE SHIELD OF TEXAS | $119K | — | $119K | 4.88% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 WEST MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $21K | $2K | $24K | 17.06% |
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: RH CLARKSON INSURANCE | 401 WEST MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 3.33% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE GROUP | 401 WEST MAIN STREET LOUISVILLE, KY 40202 | EYEMED | $3K | — | $3K | 9.96% |
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 | 463 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 431 | $2.4M |
| Dental | DENTAL CARE PLUS, INC. | 492 | $135K |
| Vision | EYEMED | 406 | $26K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 463 | $139K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 463 | $139K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 463 | $139K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 463 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
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.