| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | — | COMBINED INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 24.85% |
| SHAWN J KEELER3 Filed as: SHAWN COLIN | — | COMBINED INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 18.66% |
| DEIDRA STROTHERS3 Filed as: DEIDRA CROUCH | — | COMBINED INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.33% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | — | COMBINED INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 7.95% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL SMITH | — | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.24% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: R.H. CLARKSON FINANCIAL SERVICES IN | PO BOX 70129 LOUISVILLE, KY 40270 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.99% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | PO BOX 70129 LOUISVILLE, KY 402700129 | DELTA DENTAL OF INDIANA | $3K | — | $3K | 2.53% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE GROUP | 401 W. MAIN STREET LOUISVILLE, KY 40202 | EYEMED VISION CARE | $2K | — | $2K | 13.74% |
| R H CLARKSON FINANCIAL SERVICES INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | ANTHEM INSURANCE COMPANIES, INC. | $6K | — | $6K | — |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 0 | $0 |
| Dental | DELTA DENTAL OF INDIANA | 380 | $124K |
| Vision | EYEMED VISION CARE | 379 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $130K |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 274 | $227K |
| Long-term disability(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 398 | $357K |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 398 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.