| 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 | HUMANA HEALTH PLAN, INC. | $75K | $6K | $81K | 3.22% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES, INC | PO BOX 70129 LOUISVILLE, KY 40270 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.81% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 2.51% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1500 LOUISVILLE, KY 40202 | DEARBORN LIFE INSURANCE COMPANY | $11K | — | $11K | 12.99% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | — | $565 | 1.85% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $107 | $533 | 1.75% |
| WILLIAM H EARP3 | 8718 LANTERN LIGHT PARKWAY LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | — | $500 | 1.64% |
| INTEGRITY INSURANCE & FINANCIAL CON3 | 1304 SPORTSMAN DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.88% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 0.78% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 0.76% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $10 | $180 | 0.59% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $11 | $126 | 0.41% |
| BRIAN K TAYLOR3 | 5601 COACH GATE WYNDE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.38% |
| JOSEPH M CUTTER3 | 5840 ARAPAHO COURT ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 8.81% |
| ADAM H MICHAELS3 Filed as: ADAM RUDER | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $579 | — | $579 | 2.57% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 2189 N ILLINOIS ROUTE 83 ROUND LAKE BEACH, IL 60073 | LIFESECURE INSURANCE COMPANY | $460 | — | $460 | 2.04% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40202 | LIFESECURE INSURANCE COMPANY | $290 | — | $290 | 1.29% |
| JERRY MANNING3 | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $74 | — | $74 | 0.33% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KENTUCKY WORLD INSURANCE II | 6000 BRADBE FARM LANE FISHERVILLE, KY 40023 | LIFESECURE INSURANCE COMPANY | $43 | — | $43 | 0.19% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1502 LOUISVILLE, KY 40202 | METLIFE LEGAL PLANS | $857 | — | $857 | 10.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR & ASSOCIATES, INC. EIN 61-1211399 HRA SERVICE PROVIDER | Contract Administrator Service code 13 | — | $13K |
| BENEFIT MARKETING SOLUTIONS, LLC EIN 61-1326034 FSA SERVICE PROVIDER | Contract Administrator Service code 13 | — | $11K |
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 | 492 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 229 | $2.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 421 | $98K |
| Vision | THE DENTAL CONCERN, INC. | 206 | $26K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $142K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 177 | $118K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 177 | $118K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.