| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR. EVANSVILLE, IN 47715 | DELTA DENTAL OF INDIANA | $2K | — | $2K | 9.54% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, STE 100 DENVER, CO 80202 | UNION SECURITY INSURANCE COMPANY | $665 | — | $665 | 4.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR., STE A EVANSVILLE, IN 47715 | SUN LIFE ASSURANCE COMPANY OF CANADA | $876 | — | $876 | 6.39% |
| IMA, INC.3 Filed as: IMA INC | 8200 E 32ND ST N WICHITA, KS 67226 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $689 | $689 | 5.03% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET, STE 100 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $370 | — | $370 | 2.70% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DR., STE A EVANSVILLE, IN 47715 | VISION SERVICE PLAN | $534 | — | $534 | 4.11% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $322 | — | $322 | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONAL CARE, INC. EIN 47-0760050 TPA | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $9K |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 140 | $41K |
| Vision | VISION SERVICE PLAN | 53 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $14K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.