Open any plan below to see its carriers, broker commissions and premiums.
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Sponsor portfolioWelfare / HealthEIN 61-1187135
CITIZENS FINANCIAL CORPORATION
4350 BROWNSBORO ROAD · LOUISVILLE, KY 40207
5022442420
- Plans filed
- 7
- Years active
- 2020–2025
- Industry
- NAICS 52
- Latest filing
- 2025
Total premiums (latest)
$1.3M
No prior year
Persons covered
633
No prior year
Total participants
694
No prior year
Plans filed
7
No prior year
Plans under this sponsor
7 plans
Plan #501$2.5M
CITIZENS FINANCIAL CORPORATION GROUP HEALTH BENEFIT PLAN
Fully insured401 covered·1 carrier
Primary: ANTHEM HEALTH PLANS OF KENTUCKY, INC.
Plan #507$1.3M
CITIZENS FINANCIAL CORPORATION
Mixed633 covered·3 carriers
Primary: CIGNA HEALTH AND LIFE INSURANCE COMPANY
Plan #502$231K
CITIZENS FINANCIAL CORPORATION GROUP DENTAL BENEFIT PLAN
Fully insured294 covered·1 carrier
Primary: CITIZENS SECURITY LIFE INSURANCE COMPANY
Plan #503$88K
CITIZENS FINANCIAL CORPORATION GROUP VISION BENEFIT PLAN
Fully insured304 covered·1 carrier
Primary: CITIZENS SECURITY LIFE INSURANCE COMPANY
Plan #504$68K
CITIZENS FINANCIAL CORPORATION GROUP LIFE BENEFIT PLAN
Fully insured360 covered·1 carrier
Primary: ANTHEM LIFE INSURANCE COMPANY
Plan #505$49K
CITIZENS FINANCIAL CORPORATION LONG TERM DISABILITY BENEFIT PLAN
Fully insured360 covered·1 carrier
Primary: ANTHEM LIFE INSURANCE COMPANY
Plan #506$35K
CITIZENS FINANCIAL CORPORATION SHORT TERM DISABILITY BENEFIT PLAN
Fully insured217 covered·1 carrier
Primary: ANTHEM LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Stop-loss | $665K | 38.8% | |
| Dental | $350K | 20.4% | |
| Vision | $350K | 20.4% | |
| Other | $155K | 9.0% | |
| Life | $92K | 5.4% | |
| Long-term disability | $62K | 3.6% | |
| Short-term disability | $41K | 2.4% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 591031071 | SLOth | $717K | 56.3% | 1 | 4 | 475 |
EIN 610648389 | DV | $350K | 27.5% | 1 | 1 | 488 |
EIN 360883760 | LSTDLTDOth | $206K | 16.1% | 1 | 6 | 633 |
Broker overview
2 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| R H CLARKSON FINANCIAL SERVICES INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | $13K | $66K | 94.4% | 1 |
| ALIUM LLC | LOUISVILLE, KY | CIGNA HEALTH AND LIFE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.6% | 1 |
History & trajectory
6 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan