| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICE | 401 W MAIN ST, STE 1502 LOUISVILLE, KY 40202 | AETNA LIFE INSURANCE CO. | $108K | — | $108K | 5.17% |
| ROBERT H CLARKSON INSURANCE3 | 401 W MAIN ST, STE 1500 LOUISVILLE, KY 40202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.64% |
| ROBERT H CLARKSON INSURANCE3 | 401 W MAIN ST, STE 1500 LOUISVILLE, KY 40202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $766 | — | $766 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 61-1237516 NONE | Contract Administrator Service code 13 | — | $538K |
| BENESYS, INC EIN 38-2383171 NONE | Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $533K |
| COMMONWEALTH BANK AND TRUST NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 4350 BROWNSBORO ROAD, SUITE 210 LOUISVILLE, KY 40207 | $64K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $61K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Contract Administrator Service code 13 | — | $60K |
| JOHNSON & KROL LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $59K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $52K |
| AMERICAN GRAPHICS PRINTING COMPANY EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $32K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $23K |
| PNC BANK NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | P.O. BOX 609 PITTSBURGH, PA 15230 | $10K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $5K |
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 | 1,268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 493 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 4,205 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,637 | $152K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,353 | $558K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,206 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,205 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.