| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. SUITE A EVANSVILLE, IN 47715 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 16.83% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.10% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. SUITE A EVANSVILLE, IN 47715 | PARAMOUNT DENTAL | $10K | — | $10K | 10.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. SUITE A EVANSVILLE, IN 477158263 | VISION SERVICE PLAN | $1K | — | $1K | 5.82% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. SUITE A EVANSVILLE, IN 47715 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 259 | $97K |
| Vision | VISION SERVICE PLAN | 107 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $180K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $180K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $180K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.