| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $77K | — | $77K | 10.16% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES, INC | PO BOX 70129 LOUISVILLE, KY 40270 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 12.43% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 13.88% |
| WILLIAM H EARP3 | 8718 LANTERN LIGHT PARKWAY LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $709 | — | $709 | 1.75% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | $28 | $436 | 1.07% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 1.06% |
| INTEGRITY INSURANCE & FINANCIAL CON3 | 1304 SPORTSMAN DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $389 | — | $389 | 0.96% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 0.85% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 0.84% |
| BRIAN K TAYLOR3 | 1400 NORTHWIND ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.40% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $4 | $123 | 0.30% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $2 | $68 | 0.17% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $5 | $33 | 0.08% |
| JOSEPH M CUTTER3 | 624 GRIFFIN ROAD INDIANAPOLIS, IN 46227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $4 | $6 | 0.01% |
| 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 | 8.02% |
| ADAM H MICHAELS3 Filed as: ADAM RUDER | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $447 | — | $447 | 2.87% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40202 | LIFESECURE INSURANCE COMPANY | $223 | — | $223 | 1.43% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DRIVE LAKE FOREST, IL 60045 | LIFESECURE INSURANCE COMPANY | $161 | — | $161 | 1.04% |
| JERRY MANNING3 | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $57 | — | $57 | 0.37% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KENTUCKY WORLD INSURANCE II | 6000 BRADBE FARM LANE FISHERVILLE, KY 40023 | LIFESECURE INSURANCE COMPANY | $34 | — | $34 | 0.22% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1502 LOUISVILLE, KY 40202 | HYATT LEGAL PLANS | $938 | $5 | $943 | 8.30% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | — | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $285 | — | $285 | 2.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR & ASSOCIATES, INC. EIN 61-1211399 HRA SERVICE PROVIDER | Contract Administrator Service code 13 | — | $17K |
| 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 | 637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 549 | $759K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 549 | $769K |
| Vision | THE DENTAL CONCERN, INC. | 243 | $32K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $158K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $131K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $131K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 549 | $759K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.