| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 8300 E THORN DRIVE SUITE 300 WICHITA, KS 67226 | GEBER LIFE INSURANCE COMPANY | — | $91K | $91K | 24.24% |
| COMPREHENSIVE BENEFITS GROUP ENROLL3 | 331 TOWNEPARK CIRCLE STE 200 LOUISVILLE, KY 40243 | GEBER LIFE INSURANCE COMPANY | $75K | — | $75K | 20.16% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 100879380 | GEBER LIFE INSURANCE COMPANY | — | $9K | $9K | 2.40% |
| SAGAMORE HEALTH NETWORK4 Filed as: SAGAMORE HEALTH NETWORK INC. | 11595 N MERIDIAN ST STE 600 CARMEL, IN 46032 | GEBER LIFE INSURANCE COMPANY | — | $9K | $9K | 2.38% |
| HOPE ASSOCIATION3 | 101 WEST OHIO STREET SUITE 2000 INDIANAPOLIS, IN 46204 | GEBER LIFE INSURANCE COMPANY | $6K | — | $6K | 1.51% |
| NIPC3 | 8670 W CHEYENNE AVENUE #120 LAS VEGAS, NV 89129 | GEBER LIFE INSURANCE COMPANY | $4K | — | $4K | 0.95% |
| CARE ADVOCATES4 | 8300 E THORN DRIVE, SUITE 300 WICHITA, KS 67226 | GEBER LIFE INSURANCE COMPANY | — | $3K | $3K | 0.90% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR SUITE A EVANSVILLE, IN 47715 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $939 | $12K | 14.11% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.24% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR EVANSVILLE, IN 47715 | DELTA DENTAL OF INDIANA | $7K | — | $7K | 10.14% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 186 | $73K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $82K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $82K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $82K |
| Stop-loss / reinsurancereinsurance | GEBER LIFE INSURANCE COMPANY | 164 | $373K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.