| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIPPINGER FINANCIAL GROUP, LLC3 | 415 CROSSLAKE DR SUITE A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $478 | $4K | 11.29% |
| HKG INSURANCE SOLUTIONS LLC3 Filed as: HKG INSURANCE SOLUTIONS, LLC | 1228 N. 164TH ST OMAHA, NE 68118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $488 | $0 | $488 | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY STE 300 AUSTIN, IL 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $221 | $221 | 0.60% |
| TOTALIS BENEFITS3 | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.18% |
| CLIPPINGER FINANCIAL GROUP, LLC3 | 415 CROSSLAKE DR SUITE A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $595 | $3K | 9.83% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N. 164TH ST OMAHA, NE 68118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.82% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $513 | $0 | $513 | 1.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $274 | $274 | 0.84% |
| TOTALIS BENEFITS3 | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.17% |
| CLIPPINGER FINANCIAL GROUP, LLC3 | 415 CROSSLAKE DR SUITE A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $418 | $4K | 13.64% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N. 164TH ST OMANA, NE 68118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $398 | $0 | $398 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $191 | $191 | 0.72% |
| CLIPPINGER FINANCIAL GROUP, LLC3 | 415 CROSSLAKE DR SUITE A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $363 | $4K | 16.66% |
| HKG INSURANCE SOLUTIONS LLC3 Filed as: HKG INSURANCE SOLUTIONS, LLC | 1228 N. 164TH STREET OMAHA, NE 68118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $328 | $0 | $328 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $168 | $168 | 0.77% |
| CLIPPINGER FINANCIAL GROUP, LLC3 | 415 CROSSLAKE DR SUITE A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $275 | $3K | 15.70% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N. 164TH STREET OMAHA, NE 68118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $997 | $997 | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $264 | $0 | $264 | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $127 | $127 | 0.64% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.18% |
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 | 70 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 70 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 70 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 70 | $20K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 70 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.