| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY--CHRISTOPHER BURTON | 9795 CROSSPOINT BLVD STE 170 INDIANAPOLIS, IN 46256 | DELTA DENTAL OF INDIANA | $7K | $0 | $7K | 1.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES--DOUGLAS | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | DELTA DENTAL OF INDIANA | $3K | $0 | $3K | 0.45% |
| ASSET SUPERHEROES3 Filed as: ASSET SUPERHEROES INC DBA CLEVENGER | 525 E CENTER ST WARSAW, IN 46580 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 0.37% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 451 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $6K | 9.21% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $720 | $720 | 2.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| NFP CORPORATE SERVICES NONE | Direct payment from the plan; Plan Administrator; Consulting (general) Service code 14 | 340 MADISON AVENUE NEW YORK, NY 10173 | $640K |
| ORTHUS HEALTH EIN 26-1896258 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $136K |
| BOSE MCKINNEY & EVANS LLP EIN 35-0957980 NONE | Legal; Direct payment from the plan Service code 29 | — | $75K |
| VITAL INCITE LLC EIN 82-3614359 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $64K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $58K |
| ERTEL & COMPANY, INC. EIN 35-1973038 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $56K |
| WELLWORKS FOR YOU NONE | Direct payment from the plan; Other services Service code 49 | 70 E LANCASTER AVE FRAZER, PA 19355 | $53K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $50K |
| TAFT STETTINIUS & HOLLISTER LLP EIN 31-0541755 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $49K |
| WELLNESS IQ EIN 56-2676855 NONE | Other services; Direct payment from the plan Service code 49 | — | $42K |
| THE HOWARD E.NYHART CO. EIN 35-0966414 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $37K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| SHEPHERD INSURANCE LLC EIN 45-3540375 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $32K |
| DONALDSON CAPITAL MANAGEMENT EIN 35-1937665 NONE | Investment management fees paid directly by plan; Securities brokerage; Investment management Service code 28 | — | $25K |
| SYCAMORE INSURANCE ASSOCIATES LLC EIN 27-3200291 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $25K |
| MCGRIFF INSURANCE SERVICES, INC. EIN 56-1623293 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $21K |
| ASSET SUPERHEROES, INC. EIN 81-4184677 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $20K |
| KEYSTONE INSURANCE & BENEFITS GROUP EIN 27-0367008 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| APEX BENEFITS GROUP, INC. EIN 38-3681922 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $19K |
| CLIPPINGER FINANCIAL GROUP, LLC EIN 35-2015501 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| ITEGRATED BENEFIT PARTNERS NONE | Other services; Direct payment from the plan Service code 49 | 600 E HILLSIDE DR SUITE 3 BLOOMINGTON, IN 47401 | $18K |
| BENEFITS 7, INC. EIN 35-1754186 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $16K |
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 | 2,836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,987 | $658K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,114 | $114K |
| Life insurance(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 657 | $449K |
| Short-term disability(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 657 | $451K |
| Long-term disability(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 657 | $449K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 4 | $9K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE - BP | 2,305 | $2.4M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 657 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,305 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.