| 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 | $13K | $0 | $13K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC--MAR | 2850 GOLF RD GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF INDIANA | $5K | $0 | $5K | 0.58% |
| 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 | 0.36% |
| ASSET SUPERHEROES3 Filed as: ASSET SUPERHEROES INC DBA CLEVENGER | 525 E CENTER ST WARSAW, IN 46580 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 0.26% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 0.20% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $296 | $296 | 0.63% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHERD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $740 | $5K | 11.76% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $838 | $838 | 2.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $231 | $231 | 0.55% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.07% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $268 | $268 | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHERD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $747 | $4K | 12.05% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $728 | $728 | 2.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $233 | $233 | 0.64% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.19% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $132 | $132 | 0.37% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.30% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $167 | $167 | 0.72% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.90% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $173 | $173 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHERD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $302 | $2K | 12.22% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $272 | $272 | 2.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $94 | $94 | 0.69% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $629 | $200 | $829 | 26.36% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.73% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $590 | $172 | $762 | 25.82% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.58% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $67 | $67 | 3.74% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.56% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $101 | $101 | 5.96% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.59% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHERD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $163 | $28 | $191 | 11.70% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL. GROUP, LLC | 415 CROSSLAKE DRIVE EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $33 | $33 | 2.02% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 36-2739571 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $1.5M |
| GALLAGHER BENEFIT SERVICESS INC EIN 36-4291971 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $562K |
| ERTEL & COMPANY INC EIN 35-1573038 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $133K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $129K |
| WELLNESS IQ, INC EIN 56-2676855 NONE | Other services; Direct payment from the plan Service code 49 | — | $116K |
| BOSE MCKINNEY & EVANS LLP EIN 35-0957980 NONE | Legal; Direct payment from the plan Service code 29 | — | $75K |
| ALERA GROUP INC EIN 81-4473358 NONE | Consulting (general) Service code 16 | — | $70K |
| VITAL INCITE LLC EIN 82-3614359 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $70K |
| TAFT STETTINIUS & HOLLISTER LLP EIN 31-0541755 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $58K |
| NFP PROPERTY & CASUALTY SERVICES IN EIN 13-3616686 NONE | Consulting (general); Plan Administrator; Direct payment from the plan Service code 14 | — | $54K |
| SHEPHERD INSURANCE LLC EIN 45-3540375 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $39K |
| THE HOWARD E NYHART COMPANY, INC 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 | — | $26K |
| 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 | — | $23K |
| 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 | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $20K |
| SYCAMORE INSURANCE ASSOCIATES LLC EIN 27-8200291 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $19K |
| DONALDSON CAPITAL MANAGEMENT EIN 35-1937665 NONE | Securities brokerage; Investment management fees paid directly by plan; Investment management Service code 28 | — | $16K |
| BENEFITS 7 EIN 35-2015501 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $11K |
| CLIPPINGER FINANCIAL GROUP EIN 35-2015501 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $5K |
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 | 2,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,701 | $5.8M |
| Dental | DELTA DENTAL OF INDIANA | 3,058 | $926K |
| Life insurance(6 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | 2,701 | $3.0M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $14K |
| Long-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $95K |
| Prescription drug | ANTHEM BLUE CROSS AND BLUE SHIELD | 4 | $9K |
| Other(8 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 304 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,058 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 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.