| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: R.H. CLARKSON FINANCIAL SERVICES IN | PO BOX 70529 LOUISVILLE, KY 40270 | ANTHEM INSURANCE COMPANIES, INC. | $93K | — | $93K | 3.67% |
| SHAWN M COLIN3 | 4081 PAOLI PIKE FLOYDS KNOBS, IN 47119 | AFLAC | $10K | $189 | $10K | 5.26% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICE | PO BOX 70529 LOUISVILLE, KY 40270 | AFLAC | $8K | — | $8K | 4.22% |
| JASON W BISHOP3 | 1960 N HIGHWAY 11 SE ELIZABETH, IN 47117 | AFLAC | $4K | $350 | $4K | 2.35% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $2K | — | $2K | 0.88% |
| MICHAEL T ABSHER3 | 1821 AUGUSTA BLVD HENRYVILLE, IN 47126 | AFLAC | $1K | $128 | $1K | 0.76% |
| ALEXANDER MICHAEL COLIN3 | 5150 BUCK CREEK RD FLOYDS KNOBS, IN 47119 | AFLAC | $1K | $155 | $1K | 0.66% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $770 | — | $770 | 0.41% |
| CHRISTINA R GILKEY3 | 6537 ASHLEY SPRINGS CT CHARLESTOWN, IN 47111 | AFLAC | $745 | — | $745 | 0.39% |
| ROXANA BURNS3 | 2707 CLEARSTREAM CT NEW ALBANY, IN 47150 | AFLAC | $595 | $29 | $624 | 0.33% |
| RYAN J PAYNE3 | 30 E CUTSHALL RD AUSTIN, IN 47102 | AFLAC | $492 | $30 | $522 | 0.28% |
| JUSTIN M GUIDI3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $315 | — | $315 | 0.17% |
| JOSEPH BICKLEY3 | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $297 | — | $297 | 0.16% |
| TY DANE SIMPSON3 | 6116 DEER TRACE CT GEORGETOWN, IN 47122 | AFLAC | $247 | — | $247 | 0.13% |
| DANA C COOPER3 | 6414 SKY CREST CT CHARLESTOWN, IN 47111 | AFLAC | $226 | — | $226 | 0.12% |
| WANDA PARROTT3 | 247 BROOKSTONE DR LA CROSSE, VA 23950 | AFLAC | $213 | — | $213 | 0.11% |
| LAUREL A SEGER3 | 902A MAIN ST JASPER, IN 47546 | AFLAC | $160 | — | $160 | 0.08% |
| DIANNE KRON3 | 5910 ASHWOOD BLUFF DR LOUISVILLE, KY 40207 | AFLAC | $151 | — | $151 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4000 SMITH RD STE 400 CINCINNATI, OH 45209 | AFLAC | $133 | — | $133 | 0.07% |
| CHRIS A GEHLHAUSEN3 | 873 3RD AVE JASPER, IN 47546 | AFLAC | $117 | — | $117 | 0.06% |
| CHARLES B LACY JR3 | 1431 SLATE RUN RD APT 39 NEW ALBANY, IN 47150 | AFLAC | $108 | — | $108 | 0.06% |
| JOSEPH M GOSSMAN JR3 | 17836 BIRCH BEND CIR FISHERVILLE, KY 40023 | AFLAC | $100 | — | $100 | 0.05% |
| ROBERT D WAKE3 | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $98 | — | $98 | 0.05% |
| SAYO K SAMESHIMA3 | 1743 BEECH DR CROWN POINT, IN 46307 | AFLAC | $96 | — | $96 | 0.05% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, IN 47138 | AFLAC | $86 | — | $86 | 0.05% |
| SUSAN PEARCY3 Filed as: SUSAN P PEARCY | 2011 FRANKFORT AVE UNIT 313 LOUISVILLE, KY 40206 | AFLAC | $84 | — | $84 | 0.04% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $83 | — | $83 | 0.04% |
| DAVID J MARION3 | 1210 E DELAWARE EVANSVILLE, IN 47711 | AFLAC | $60 | — | $60 | 0.03% |
| ALAN EDRINGTON3 | 9302 HI VIEW LN LOUISVILLE, KY 40272 | AFLAC | $52 | — | $52 | 0.03% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $50 | — | $50 | 0.03% |
| ANDREA COBB FOWLER3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $50 | — | $50 | 0.03% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $46 | — | $46 | 0.02% |
| LEON GIBSON3 | 4077 S ST RD 203 LEXINGTON, IN 47138 | AFLAC | $45 | — | $45 | 0.02% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $44 | — | $44 | 0.02% |
| PATRICIA VIO WARRINER3 | 3029 PEBBLE BRK JEFFERSONVILLE, IN 47130 | AFLAC | $44 | — | $44 | 0.02% |
| LEEZA DANIELE WRIGHT3 Filed as: LEEZA DANIELLE WRIGHT | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $40 | — | $40 | 0.02% |
| ROBERT E HOUCHIN3 | 5643 RIVERWALK CIR NEWBURGH, IN 47630 | AFLAC | $39 | — | $39 | 0.02% |
| HARROLD/HUGHES INSURANCE3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $38 | — | $38 | 0.02% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $37 | — | $37 | 0.02% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $30 | — | $30 | 0.02% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $29 | — | $29 | 0.02% |
| PAMELA B MARTIN3 | 351 E CHESTNUT ST CORYDON, IN 47112 | AFLAC | $25 | — | $25 | 0.01% |
| MARSHA S TALLEY3 | 4295 W PEBBLE DR JASPER, IN 47546 | AFLAC | $25 | — | $25 | 0.01% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON RD MITCHELL, IN 47446 | AFLAC | $24 | — | $24 | 0.01% |
| KELLY J WARREN3 | 8745 LIABLE RD HIGHLAND, IN 46322 | AFLAC | $23 | — | $23 | 0.01% |
| MARK A WOJDA3 | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $23 | — | $23 | 0.01% |
| PATRICIA E BRIDGE3 | 71 S 2ND ST SCOTTSBURG, IN 47170 | AFLAC | $23 | — | $23 | 0.01% |
| FREDERICK D EDRINGTON3 | 101 MEADOW LARK RD PRINCETON, KY 42445 | AFLAC | $22 | — | $22 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PEGGY L BROWN | 2590 S KAREN CT SCOTTSBURG, IN 47170 | AFLAC | $20 | — | $20 | 0.01% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $20 | — | $20 | 0.01% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $19 | — | $19 | 0.01% |
| FAITH M BURRIS3 | 251 LONG BEACH DR HOT SPRINGS, AR 71913 | AFLAC | $19 | — | $19 | 0.01% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $15 | — | $15 | 0.01% |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $15 | — | $15 | 0.01% |
| MARSHA LACY RUMAGE3 | 828 VICKSBURG RD TILINE, KY 42083 | AFLAC | $14 | — | $14 | 0.01% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $12 | — | $12 | 0.01% |
| JAMES R HARROLD3 | 9343 SEASCAPE DR INDIANAPOLIS, IN 46256 | AFLAC | $11 | — | $11 | 0.01% |
| JOSH MOON3 | 437 BAYLOR WISSMAN RD GEORGETOWN, IN 47122 | AFLAC | $10 | — | $10 | 0.01% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $9 | — | $9 | 0.00% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $8 | — | $8 | 0.00% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $5 | — | $5 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $5 | — | $5 | 0.00% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $5 | — | $5 | 0.00% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $4 | — | $4 | 0.00% |
| CHOICE BENEFITS PLANS INC3 | 21 SE 3RD ST STE 600 EVANSVILLE, IN 47708 | AFLAC | $4 | — | $4 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $2 | — | $2 | 0.00% |
| JENNIFER L MITCHEN3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $2 | — | $2 | 0.00% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $1 | — | $1 | 0.00% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES INC | PO BOX 70129 LOUISVILLE, KY 402700129 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.36% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | PO BOX 70129 LOUISVILLE, KY 402700129 | DELTA DENTAL OF INDIANA | $5K | — | $5K | 3.00% |
| R H CLARKSON FINANCIAL SERVICES INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | AFLAC | $7K | — | $7K | 5.65% |
| SHAWN M COLIN3 | 4081 PAOLI PIKE FLOYDS KNOBS, IN 47119 | AFLAC | $6K | $121 | $7K | 5.29% |
| JASON W BISHOP3 | 1960 N HIGHWAY 11 SE ELIZABETH, IN 47117 | AFLAC | $3K | $115 | $3K | 2.22% |
| ALEXANDER MICHAEL COLIN3 | 5150 BUCK CREEK RD FLOYDS KNOBS, IN 47119 | AFLAC | $3K | $58 | $3K | 2.14% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $976 | — | $976 | 0.78% |
| RYAN J PAYNE3 | 30 E CUTSHALL RD AUSTIN, IN 47102 | AFLAC | $595 | $14 | $609 | 0.49% |
| MICHAEL T ABSHER3 | 1821 AUGUSTA BLVD HENRYVILLE, IN 47126 | AFLAC | $389 | — | $389 | 0.31% |
| JOSEPH BICKLEY3 | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $253 | — | $253 | 0.20% |
| JEFFERY C ELDER3 | 10454B BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | AFLAC | $207 | — | $207 | 0.17% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $186 | — | $186 | 0.15% |
| ROXANA BURNS3 | 2707 CLEARSTREAM CT NEW ALBANY, IN 47150 | AFLAC | $185 | — | $185 | 0.15% |
| CHRISTINA R GILKEY3 | 6537 ASHLEY SPRINGS CT CHARLESTOWN, IN 47111 | AFLAC | $165 | — | $165 | 0.13% |
| TY DANE SIMPSON3 | 6116 DEER TRACE CT GEORGETOWN, IN 47122 | AFLAC | $139 | — | $139 | 0.11% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $106 | — | $106 | 0.09% |
| JUSTIN M GUIDI3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $84 | — | $84 | 0.07% |
| LAUREL A SEGER3 | 902A MAIN ST JASPER, IN 47546 | AFLAC | $80 | — | $80 | 0.06% |
| JONATHAN C DAVIDSON3 | 9803 W STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $75 | — | $75 | 0.06% |
| ROBERT D WAKE3 | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $63 | — | $63 | 0.05% |
| JOSH MOON3 | 437 BAYLOR WISSMAN RD GEORGETOWN, IN 47122 | AFLAC | $59 | — | $59 | 0.05% |
| CHRIS A GEHLHAUSEN3 | 873 3RD AVE JASPER, IN 47546 | AFLAC | $42 | — | $42 | 0.03% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, IN 47138 | AFLAC | $38 | — | $38 | 0.03% |
| JOSEPH M GOSSMAN JR3 | 17836 BIRCH BEND CIR FISHERVILLE, KY 40023 | AFLAC | $35 | — | $35 | 0.03% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $32 | — | $32 | 0.03% |
| DANA C COOPER3 | 6414 SKY CREST CT CHARLESTOWN, IN 47111 | AFLAC | $30 | — | $30 | 0.02% |
| JAMES R STROSNIDER3 | 704 SE 11TH ST WASHINGTON, IN 47501 | AFLAC | $28 | — | $28 | 0.02% |
| IRIS RENE GOODALL3 | 1207 TAXUS TOP LN UNIT 201 LOUISVILLE, KY 40243 | AFLAC | $28 | — | $28 | 0.02% |
| THOMAS P MCNULTY3 | 1460 SPENCER AVE CORYDON, IN 47112 | AFLAC | $26 | — | $26 | 0.02% |
| REBECCA A BERRY3 | 584 OLD BRUNERSTOWN RD APT 1212 SHELBYVILLE, KY 40065 | AFLAC | $26 | — | $26 | 0.02% |
| MARK A WOJDA3 | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $25 | — | $25 | 0.02% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $22 | — | $22 | 0.02% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON RD MITCHELL, IN 47446 | AFLAC | $19 | — | $19 | 0.02% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $18 | — | $18 | 0.01% |
| LEEZA DANIELE WRIGHT3 Filed as: LEEZA DANIELLE WRIGHT | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $17 | — | $17 | 0.01% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $15 | — | $15 | 0.01% |
| LEON GIBSON3 | 4077 S ST RD 203 LEXINGTON, IN 47138 | AFLAC | $14 | — | $14 | 0.01% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $13 | — | $13 | 0.01% |
| CHOICE BENEFITS PLANS INC3 | 21 SE 3RD ST STE 600 EVANSVILLE, IN 47708 | AFLAC | $13 | — | $13 | 0.01% |
| JENNIFER L MITCHEN3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $12 | — | $12 | 0.01% |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $12 | — | $12 | 0.01% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $12 | — | $12 | 0.01% |
| BEVERLY THOMAS3 Filed as: BEVERLY D THOMAS | 2202 1/2 MAIN ST VINCENNES, IN 47591 | AFLAC | $10 | — | $10 | 0.01% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $10 | — | $10 | 0.01% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $10 | — | $10 | 0.01% |
| PHYLLIS A BEX3 | 118 STONEYBROOK DR GREENWOOD, IN 46142 | AFLAC | $9 | — | $9 | 0.01% |
| DENNIS K JOHNSON3 | 322 N TAGGART AVE CLARKSVILLE, IN 47129 | AFLAC | $9 | — | $9 | 0.01% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.01% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $7 | — | $7 | 0.01% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $6 | — | $6 | 0.00% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $6 | — | $6 | 0.00% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 71913 | AFLAC | $5 | — | $5 | 0.00% |
| CHARLES B LACY JR3 | 1431 SLATE RUN RD APT 39 NEW ALBANY, IN 47150 | AFLAC | $5 | — | $5 | 0.00% |
| DIANNE KRON3 | 5910 ASHWOOD BLUFF DR LOUISVILLE, KY 40207 | AFLAC | $5 | — | $5 | 0.00% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES A RIED3 | 150 FARMHOUSE RD ELLERSIE, GA 31807 | AFLAC | $5 | — | $5 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $4 | — | $4 | 0.00% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $4 | — | $4 | 0.00% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $4 | — | $4 | 0.00% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $2 | — | $2 | 0.00% |
| HARROLD/HUGHES INSURANCE3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $2 | — | $2 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $0 | — | $0 | 0.00% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE GROUP | 401 W. MAIN STREET LOUISVILLE, KY 40202 | EYEMED VISION CARE | $2K | — | $2K | 7.69% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 363 | $2.5M |
| Dental | DELTA DENTAL OF INDIANA | 433 | $153K |
| Vision | EYEMED VISION CARE | 415 | $25K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $292K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 410 | $167K |
| Other(3 contracts, 2 carriers) | AFLAC | 410 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.