| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | PARAMOUNT DENTAL | $269 | — | $269 | 10.02% |
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $106 | $19 | $125 | 11.79% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | VISION SERVICE PLAN | $103 | — | $103 | 10.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $12 | — | $12 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC. | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $122 | $122 | 19.12% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $96 | — | $96 | 15.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC. | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $115 | $115 | 18.46% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93 | — | $93 | 14.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC. | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $112 | $112 | 18.60% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90 | — | $90 | 14.95% |
| SCOTT CLIPPINGER3 Filed as: SCOTT WALTER CLIPPINGER | 415 SUITE A EVANSVILLE, IN 47715 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25 | — | $25 | 17.36% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 15.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC. | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7 | $7 | 15.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CLIPPINGER FINANCIAL GROUP EIN 35-2015501 BROKER | Insurance agents and brokers Service code 22 | 415 CROSSLAKE DRIVE SUITE A EVANSVILLE, IN 47715 | $2K |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 122 | $3K |
| Vision | VISION SERVICE PLAN | 55 | $1K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $1K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $623 |
| Other(4 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 121 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.