| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 WEST MAIN STREET, SUITE 1500 LOUISVILLE, KY 40202 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $73K | $0 | $73K | 3.73% |
| JAMES M. MCKENNA3 | 455 EAST 57TH STREET, APARTMENT 5B NEW YORK, NY 10022 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $32K | $0 | $32K | 1.65% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 WEST MAIN STREET, SUITE 1500 LOUISVILLE, KY 40202 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.29% |
| JAMES M. MCKENNA3 | 455 EAST 57TH STREET, APARTMENT 5B NEW YORK, NY 10022 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.46% |
| R H CLARKSON FINANCIAL SERVICES INC3 | 401 WEST MAIN STREET, SUITE 1500 LOUISVILLE, KY 40202 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 8.22% |
| JAMES M. MCKENNA3 | 455 EAST 57TH STREET, APARTMENT 5B NEW YORK, NY 10022 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $548 | $0 | $548 | 2.73% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 406 | $2.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF TEXAS | 406 | $2.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 354 | $20K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 341 | $142K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 341 | $142K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 341 | $142K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 341 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.