| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES, INC | PO BOX 70529 LOUISVILLE, KY 40270 | BAPTIST HEALTH PLAN | $88K | — | $88K | 2.47% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70129 LOUISVILLE, KY 40270 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.92% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES, INC | PO BOX 70129 LOUISVILLE, KY 40270 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $24 | $14K | 12.20% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 13.39% |
| WILLIAM H EARP3 | 8718 LANTERN LIGHT PARKWAY LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | — | $862 | 1.72% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $617 | $205 | $822 | 1.64% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $810 | — | $810 | 1.62% |
| INTEGRITY INSURANCE & FINANCIAL CON3 | 1304 SPORTSMAN DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | — | $471 | 0.94% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | — | $409 | 0.82% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | — | $391 | 0.78% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $41 | $284 | 0.57% |
| BRIAN K TAYLOR3 | 1400 NORTHWIND ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.40% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $26 | $177 | 0.35% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $10 | $98 | 0.20% |
| JOSEPH M CUTTER3 | 624 GRIFFIN ROAD INDIANAPOLIS, IN 46227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.08% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $28 | $35 | 0.07% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| JERRY D HARLOW3 | 1712 FLAGSTAFF COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | THE DENTAL CONCERN, INC. | $3K | — | $3K | 7.97% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | — | TELADOC, INC. | $13K | — | $13K | 50.01% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1502 LOUISVILLE, KY 40202 | HYATT LEGAL PLANS | $1K | — | $1K | 11.92% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES INC | PO BOX 70129 LOUISVILLE, KY 40270 | HYATT LEGAL PLANS | — | $24 | $24 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR & ASSOCIATES, INC. | Contract Administrator Service code 13 | — | $20K |
| BENEFIT MARKETING SOLUTIONS, LLC EIN 61-1326034 FSA SERVICE PROV | Contract Administrator Service code 13 | — | $12K |
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 | 702 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 582 | $3.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 667 | $144K |
| Vision | THE DENTAL CONCERN, INC. | 281 | $34K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $161K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $141K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $141K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $148K |
| 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.