| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT CLIPPINGER3 | CLIPPINGER FINANCIAL GROUP LLC 415 CROSSLAKE DRIVE, SUITE A EVANSVILLE, IN 47715 | PARAMOUNT DENTAL | $64K | — | $64K | 1.47% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PARAMOUNT DENTAL | $22K | — | $22K | 0.50% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 200 CARMEL, IN 460325638 | VISION SERVICE PLAN | $87K | — | $87K | 8.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | VISION SERVICE PLAN | $20K | — | $20K | 2.04% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | HARTFORD LIFE AND ACCIDENT | $156K | — | $156K | 16.51% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $47K | $47K | 4.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 3.49% |
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 | 5,727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 7,239 | $945K |
| Dental | PARAMOUNT DENTAL | 13,290 | $4.4M |
| Vision | VISION SERVICE PLAN | 5,124 | $977K |
| Other | HARTFORD LIFE AND ACCIDENT | 7,239 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,290 | — |
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.