| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT CLIPPINGER3 | CLIPPINGER FINANCIAL GROUP LLC 415 CROSSLAKE DRIVE, SUITE A EVANSVILLE, IN 47715 | HEALTH RESOURCES, INC. | $53K | — | $53K | 1.48% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS, INC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90K | — | $90K | 15.52% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD SUITE 100 CARMEL, IN 46032 | VISION SERVICE PLAN | $55K | — | $55K | 10.01% |
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 | 5,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,042 | $580K |
| Dental | HEALTH RESOURCES, INC. | 5,190 | $3.6M |
| Vision | VISION SERVICE PLAN | 4,545 | $548K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,042 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,190 | — |
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."
No prospect flags tripped on this filing.