| 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. | $69K | $847 | $70K | 3.01% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON INSURANCE SERVICES, INC | PO BOX 70129 LOUISVILLE, KY 40270 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.97% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70529 LOUISVILLE, KY 40270 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.03% |
| 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 | $429 | — | $429 | 1.59% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $87 | $417 | 1.55% |
| WILLIAM H EARP3 | 8718 LANTERN LIGHT PARKWAY LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 1.41% |
| INTEGRITY INSURANCE & FINANCIAL CON3 | 1304 SPORTSMAN DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.74% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.69% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.67% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $6 | $165 | 0.61% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $14 | $102 | 0.38% |
| BRIAN K TAYLOR3 | 5601 COACH GATE WYNDE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.33% |
| JOSEPH M CUTTER3 | 5840 ARAPAHO COURT ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| 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 | 9.16% |
| ADAM H MICHAELS3 Filed as: ADAM RUDER | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $448 | — | $448 | 2.49% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 2189 N ILLINOIS ROUTE 83 ROUND LAKE BEACH, IL 60073 | LIFESECURE INSURANCE COMPANY | $416 | — | $416 | 2.31% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | 401 W MAIN STREET LOUISVILLE, KY 40202 | LIFESECURE INSURANCE COMPANY | $224 | — | $224 | 1.24% |
| JERRY MANNING3 | 220 N GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $57 | — | $57 | 0.32% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KENTUCKY WORLD INSURANCE II | 6000 BRADBE FARM LANE FISHERVILLE, KY 40023 | LIFESECURE INSURANCE COMPANY | $34 | — | $34 | 0.19% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 W MAIN STREET SUITE 1502 LOUISVILLE, KY 40202 | METLIFE LEGAL PLANS | $709 | — | $709 | 10.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR & ASSOCIATES, INC. EIN 61-1211399 HRA SERVICE PROVIDER | Contract Administrator Service code 13 | — | $11K |
| BENEFIT MARKETING SOLUTIONS, LLC EIN 61-1326034 FSA SERVICE PROVIDER | Contract Administrator Service code 13 | — | $8K |
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 | 435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 193 | $2.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 349 | $91K |
| Vision | THE DENTAL CONCERN, INC. | 174 | $24K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 435 | $134K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 150 | $108K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 150 | $108K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 435 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.