| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIPC3 | 8670 W CHEYENNE AVENUE #120 LAS VEGAS, NV 89129 | GERBER LIFE INSURANCE COMPANY | $92K | — | $92K | 16.54% |
| MEDOVA HEALTHCARE5 | 345 N RIVERVIEW ST. STE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | — | $86K | $86K | 15.41% |
| COMPREHENSIVE BENEFITS SOLUTIONS3 Filed as: COMPREHENSIVE BENEFITS GROUP | 331 TOWNEPARK CIRCLE STE 200 LOUISVILLE, KY 40243 | GERBER LIFE INSURANCE COMPANY | $53K | — | $53K | 9.54% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 100879380 | GERBER LIFE INSURANCE COMPANY | — | $16K | $16K | 2.93% |
| SAGAMORE HEALTH NETWORK4 Filed as: SAGAMORE HEALTH NETWORK INC. | 11595 N MERIDIAN ST STE 600 CARMEL, IN 46032 | GERBER LIFE INSURANCE COMPANY | — | $8K | $8K | 1.51% |
| HOPE ASSOCIATION3 | 101 WEST OHIO STREET SUITE 2000 INDIANAPOLIS, IN 46204 | GERBER LIFE INSURANCE COMPANY | $5K | — | $5K | 0.95% |
| CARE ADVOCATES4 | 345 N RIVERVIEW ST. STE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | — | $3K | $3K | 0.57% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. STE A EVANSVILLE, IN 47715 | DELTA DENTAL OF INDIANA | $6K | — | $6K | 9.83% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. STE A EVANSVILLE, IN 47715 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.64% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. STE A EVANSVILLE, IN 477158263 | VISION SERVICE PLAN | $2K | — | $2K | 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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 191 | $66K |
| Vision | VISION SERVICE PLAN | 122 | $17K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 213 | $21K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 154 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.