| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DR EVANSVILLE, IN 47715 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 10.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 2.30% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DR STE A EVANSVILLE, IN 47715 | HEALTH RESOURCES, INC. | $8K | — | $8K | 10.00% |
| UNIFIED GROUP SERVICES, INC.3 | PO BOX 10 PENDLETON, IN 46064 | TOKIO MARINE HCC | $3K | — | $3K | 12.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DR STE A EVANSVILLE, IN 47715 | VISION SERVICE PLAN | $840 | — | $840 | 6.70% |
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 | 164 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 105 | $76K |
| Vision | VISION SERVICE PLAN | 99 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 164 | $175K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 164 | $175K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 164 | $175K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 164 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.