| 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. | $13K | $1K | $14K | 1.75% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | — | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | — | $4K | 10.00% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | PO BOX 70129 LOUISVILLE, KY 40270 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $963 | $4K | 13.12% |
| RH CLARKSON FINANCIAL SERVICES, INC3 | PO BOX 70129 LOUISVILLE, KY 40270 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $387 | $2K | 12.90% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES | PO BOX 70129 LOUISVILLE, KY 40270 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $735 | $196 | $931 | 12.67% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 189 | $813K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 75 | $39K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 189 | $813K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $13K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.