| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DR #A EVANSVILLE, IN 47715 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 16.02% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.11% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DR. STE A EVANSVILLE, IN 47715 | PARAMOUNT DENTAL | $9K | — | $9K | 10.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DR # A EVANSVILLE, IN 477158263 | VISION SERVICE PLAN | $954 | — | $954 | 6.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 415 CROSSLAKE DR #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 | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 102 | $94K |
| Vision | VISION SERVICE PLAN | 92 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $157K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $157K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $157K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 243 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.