| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | PO BOX 70129 LOUISVILLE, KY 40270 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $18K | — | $18K | 2.37% |
| ARISON INSURANCE SERVICES, INC.3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 0.30% |
| KENTUCKY CHAMBER3 Filed as: KENTUCKY CHAMBER OF COMMERCE | 464 CHENAULT ROAD FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$512 | — | -$512 | -0.07% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 WEST MAIN STREET SUITE 1502 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $237 | $1K | 11.91% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | 401 WEST MAIN STREET SUITE 1502 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $197 | $1K | 11.73% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | PO BOX 70129 LOUISVILLE, KY 40270 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 13.80% |
No Schedule C service providers reported on this filing.
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 210 | $749K |
| Dental | DELTA DENTAL OF KENTUCKY | 171 | $41K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 210 | $749K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $12K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.