| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: R H CLARKSON FINANCIAL | PO BOX 70129 LOUISVILLE, KY 40270 | ANTHEM BLUE CROSS BLUE SHIELD | $168K | — | $168K | 2.27% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL | PO BOX 70529 LOUISVILLE, KY 40270 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 1.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3150 US RT. 60 ONA, WV 25545 | $199K |
| WAYNE & ASSOCIATES EIN 61-1129889 SERVICE PROVIDER | Consulting (general) Service code 16 | 1169 EASTERN PKWY 1166 LOUISVILLE, KY 40217 | $25K |
| MANNING AND NAPIER EIN 16-0983640 INVESTMENT MANAGEMENT | Investment management Service code 28 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $22K |
| STANDARD VALUATION, INC. EIN 41-1327229 INVESTMENT CONSULTANT | Investment management Service code 28 | 790 CLEVELAND AVE. SOUTH ST. PAUL, MN 55116 | $22K |
| CS MCKEE LP EIN 25-1095051 NONE | Investment management Service code 28 | ONE GATEWAY CENTER PITTSBURG, PA 15222 | $17K |
| FIFTH THIRD BANK EIN 61-6209152 CUSTODIAN | Custodial (securities) Service code 19 | 401 S. 4TH STREET LOUISVILLE, KY 40202 | $13K |
| DUNN AND WALLBAUM LLC EIN 46-1576504 LEGAL COUNSEL | Legal Service code 29 | 105 DAVENTRY LANE LOUISVILLE, KY 40223 | $13K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $9K |
| UNITED ACTUARIAL SERVICES INC. EIN 35-2156428 ACTUARY | Actuarial Service code 11 | 11590 N MADISON ST CARMEL, IN 46032 | $7K |
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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 347 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 640 | $8.1M |
| Dental | DELTA DENTAL | 702 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.