Welfare broker

R H CLARKSON FINANCIAL SERVICES INC

Mailing address (most recent filing)

401 W MAIN STREET SUITE 1500

LOUISVILLE, KY 40202

Total comp: $471K
Commissions: $471K
Fees: $0
Filings: 18
Sponsors: 18

Carrier mix

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

UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY16.7%
EYEMED VISION CARE16.7%
DELTA DENTAL OF CALIFORNIA16.7%
ANTHEM LIFE INSURANCE COMPANY16.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	2	$265K	33.3%
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY	1	$661K	16.7%
EYEMED VISION CARE	1	$19K	16.7%
DELTA DENTAL OF CALIFORNIA	1	$94K	16.7%
ANTHEM LIFE INSURANCE COMPANY	1	$14.0M	16.7%

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	5	$1.0M	0.1%	16.42x
TN	1	$14.0M	0.1%	10.82x

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 R H CLARKSON FINANCIAL SERVICES INC's plans by broker comp / premium ratio. Median 5.00% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

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

1-6 of 6 sponsors where R H CLARKSON FINANCIAL SERVICES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOARD OF TRUSTEES-SHEET METAL LOCAL 110 HEALTH FUND SHEET METAL WORKERS LOCAL NO. 110 HEALTH FUND	TN	$14.0M	$310K	ANTHEM BLUE CROSS BLUE SHIELD
EXTELL FINANCIAL SERVICES, INC. EXTELL FINANCIAL SERVICES, INC. EMPLOYEE BENEFIT PLAN	KY	$661K	$32K	FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY
AL J. SCHNEIDER COMPANY AL J. SCHNEIDER COMPANY VOLUNTARY BENEFITS PLAN	KY	$229K	$18K	UNITED OF OMAHA LIFE INSURANCE COMPANY
AL J. SCHNEIDER COMPANY AL J. SCHNEIDER COMPANY DENTAL PLAN	KY	$94K	$5K	DELTA DENTAL OF KENTUCKY
AL J. SCHNEIDER COMPANY AL J. SCHNEIDER COMPANY VISION PLAN	KY	$19K	$2K	FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE
AL J. SCHNEIDER COMPANY AL J. SCHNEIDER COMPANY LIFE PLAN	KY	$35K	$2K	UNITED OF OMAHA LIFE INSURANCE COMPANY