| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES INC | 401 W MAIN ST STE 1 LOUISVILLE, KY 40202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | — | $61K | 3.00% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES, INC | PO BOX 70129 LOUISVILLE, KY 40270 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 6.48% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 9.80% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 14.34% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN ST LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.65% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | $142 | $534 | 1.79% |
| WILLIAM H EARP3 Filed as: WILLIAM E HARP | 8718 LANTERN LITE PKWY LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | — | $340 | 1.14% |
| AXEL H HALVARSON3 Filed as: AXEL HALVASRSON | 13117 EASTPOINT PARK BLVD STE LOUISVILE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.60% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.56% |
| INTEGRITY INSURANCE & FINANCIAL CON3 | 1304 SPORTSMAN DR JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.50% |
| BRIAN K TAYLOR3 | 5601 COACH GATE WYNDE APT 31 LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.24% |
| MEGAN GOODMAN3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| LEIGH L ARMSTRONG3 | 1330 WALNUT WAY BOW, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| VICKIE E LEWIS3 | 6590 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JEFFREY WANN3 | 513 E EAGLE PADD RD ELIZABETHTOWN, KY 42701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DEBORAH S GOLDEN3 | 1830 DESTINEY LANE SUITE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES, INC | PO BOX 70529 LOUISVILLE, KY 40270 | HUMANA THE DENTAL CONCERN | $2K | — | $2K | 8.89% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD. SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $156 | — | $156 | 1.13% |
| ADAM H MICHAELS3 Filed as: ADAM RUDER | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $40 | — | $40 | 0.29% |
| JERRY MANNING3 | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $40 | — | $40 | 0.29% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40202 | LIFESECURE INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KENTUCKY WORLD INSURANCE II | 6000 BRADBE FARM LANE FISHERVILLE, KY 40023 | LIFESECURE INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1502 LOUISVILLE, KY 40202 | METLIFE LEGAL PLANS | $661 | — | $661 | 9.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR & ASSOCIATES, INC. EIN 61-1211399 HRA SERVICE PROVIDER | Contract Administrator Service code 13 | — | $10K |
| BENEFIT MARKETING SOLUTIONS, LLC EIN 61-1326034 FSA SERVICE PROVIDER | Contract Administrator Service code 13 | — | $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 | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $70K |
| Vision | HUMANA THE DENTAL CONCERN | 169 | $22K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $117K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 147 | $95K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 147 | $95K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
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.