| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 10.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX), LL | 1250 S. CAPITAL OF TEXAS HWY BL2 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.09% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | PARAMOUNT DENTAL | $7K | — | $7K | 10.00% |
| UNIFIED GROUP SERVICES, INC.5 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $2K | $361 | $2K | 11.80% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | VISION SERVICE PLAN | $937 | — | $937 | 6.13% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 214 | $69K |
| Vision | VISION SERVICE PLAN | 121 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 143 | $182K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $182K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $182K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 143 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.