Welfare broker

RH CLARKSON FINANCIAL SERVICES, INC

Mailing address (most recent filing)

PO BOX 70129

LOUISVILLE, KY 40270

Total comp: $470K
Commissions: $468K
Fees: $2K
Filings: 13
Sponsors: 13

Carrier mix

Where RH CLARKSON FINANCIAL SERVICES, INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY28.6%
UNITEDHEALTHCARE INSURANCE COMPANY14.3%
UNITED HEALTHCARE INSURANCE COMPANY14.3%
STANDARD INSURANCE COMPANY14.3%
COMBINED INSURANCE COMPANY OF AMERICA14.3%
ANTHEM LIFE INSURANCE COMPANY14.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$3.0M	28.6%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.9M	14.3%
UNITED HEALTHCARE INSURANCE COMPANY	1	$160K	14.3%
STANDARD INSURANCE COMPANY	1	$116K	14.3%
COMBINED INSURANCE COMPANY OF AMERICA	1	$498K	14.3%
ANTHEM LIFE INSURANCE COMPANY	1	$5.3M	14.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
KY	6	$10.5M	0.1%	16.89x
IN	1	$498K	0.0%	4.85x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of RH CLARKSON FINANCIAL SERVICES, INC's plans by broker comp / premium ratio. Median 6.74% vs welfare-wide median 6.29% (n=7).

Prospect-flag exposure · vs market baseline

Share of RH CLARKSON FINANCIAL SERVICES, INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-7 of 7 sponsors where RH CLARKSON FINANCIAL SERVICES, INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FIRST SAVINGS BANK FIRST SAVINGS BANK FLEXIBLE BENEFITS PLAN- PREMIUM ONLY PLAN	IN	$498K	$165K	COMBINED INSURANCE COMPANY OF AMERICA
CITIZENS FINANCIAL CORPORATION CITIZENS FINANCIAL CORPORATION	KY	$5.3M	$135K	ANTHEM HEALTH PLANS OF KENTUCKY, INC.
FREEDOM SENIOR SHARE, LLC FREEDOM SENIOR SHARE CAFETERIA PLAN	KY	$1.9M	$131K	UNITEDHEALTHCARE INSURANCE COMPANY
SULLIVAN UNIVERSITY SYSTEM, INC. SULLIVAN UNIVERSITY SYSTEM, INC. FLEXIBLE BENEFITS PLAN	KY	$2.3M	$95K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
AL J. SCHNEIDER COMPANY AL J. SCHNEIDER COMPANY MEDICAL INSURANCE PLAN	KY	$691K	$11K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
DREAM BUILDING SERVICES, INC. DREAM BUILDING SERVICES, INC.	KY	$160K	$11K	UNITED HEALTHCARE INSURANCE COMPANY
EDWARDS MOVING & RIGGING, INC. EDWARDS MOVING & RIGGING, INC. HEALTH AND WELFARE BENEFIT PLAN	KY	$116K	$8K	STANDARD INSURANCE COMPANY