| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $12K | $46K | 7.41% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 2.56% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $5K | $0 | $5K | 7.31% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $3K | $213 | $3K | 5.32% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $2K | $0 | $2K | 2.67% |
| CALEB RITCHEY3 Filed as: CALEB RITCHEY AND OTHER AGENTS | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $654 | $0 | $654 | 1.01% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $549 | $46 | $595 | 0.92% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $587 | $0 | $587 | 0.91% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $341 | $0 | $341 | 0.53% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $3K | $0 | $3K | 6.97% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $27 | $2K | 5.66% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $1K | $0 | $1K | 3.10% |
| CALEB RITCHEY3 Filed as: CALEB RITCHEY AND OTHER AGENTS | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $964 | $11 | $975 | 2.53% |
| JOHN W AULD & CO3 Filed as: JOHN KIRTLAND | 895 WINDSTAR BOULEVARD FRANKLIN, IN 46131 | AFLAC | $308 | $74 | $382 | 0.99% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $372 | $0 | $372 | 0.97% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $296 | $6 | $302 | 0.78% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 5.42% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $0 | $1K | 3.76% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $602 | $0 | $602 | 1.79% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $491 | $0 | $491 | 1.46% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS & OTHER AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $233 | $0 | $233 | 0.69% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $168 | $0 | $168 | 0.50% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $92 | $0 | $92 | 0.27% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $3K | $0 | $3K | 8.23% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $119 | $2K | 6.31% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $955 | $0 | $955 | 2.88% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $335 | $24 | $359 | 1.08% |
| CALEB RITCHEY3 Filed as: CALEB RITCHEY AND OTHER AGENTS | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $315 | $0 | $315 | 0.95% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $272 | $0 | $272 | 0.82% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $227 | $0 | $227 | 0.68% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 6.46% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $84 | $2K | 4.85% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $780 | $0 | $780 | 2.50% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH & OTHER AGENTS | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $643 | $0 | $643 | 2.06% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $301 | $16 | $317 | 1.01% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $206 | $0 | $206 | 0.66% |
| CALEB RITCHEY3 | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $151 | $0 | $151 | 0.48% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 9.07% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $83 | $1K | 7.90% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $560 | $0 | $560 | 2.95% |
| PAIGE BATALIS3 Filed as: PAIGE DANAE BATALIS & OTHER AGENTS | 1813 CRYSTAL BAY EAST DRIVE PLAINFIELD, IN 46168 | AFLAC | $312 | $0 | $312 | 1.65% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $173 | $16 | $189 | 1.00% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $151 | $0 | $151 | 0.80% |
| CALEB RITCHEY3 | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $116 | $0 | $116 | 0.61% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 9.45% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $38 | $1K | 6.79% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $856 | $0 | $856 | 4.59% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH & OTHER AGENTS | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $404 | $0 | $404 | 2.16% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $258 | $6 | $264 | 1.41% |
| CALEB RITCHEY3 | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $191 | $0 | $191 | 1.02% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $134 | $0 | $134 | 0.72% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 11.60% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $0 | $1K | 9.04% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $310 | $0 | $310 | 2.21% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $257 | $0 | $257 | 1.83% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $82 | $0 | $82 | 0.58% |
| CALEB RITCHEY3 | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $51 | $0 | $51 | 0.36% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA LYNN ROWE & OTHER AGENTS | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $15 | $0 | $15 | 0.11% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 18.12% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $0 | $2K | 15.84% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $536 | $0 | $536 | 3.95% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $32 | $0 | $32 | 0.24% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $29 | $0 | $29 | 0.21% |
| CALEB RITCHEY3 | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $5 | $0 | $5 | 0.04% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON AND OTHER AGENTS | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $3 | $0 | $3 | 0.02% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $705 | $0 | $705 | 5.76% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $550 | $63 | $613 | 5.01% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $235 | $3 | $238 | 1.94% |
| CAROL S JOSSERAND3 Filed as: CAROL S JOSSERAND & OTHER AGENTS | 1391 VALDARNO DRIVE GREENWOOD, IN 46143 | AFLAC | $174 | $1 | $175 | 1.43% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $164 | $0 | $164 | 1.34% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $86 | $15 | $101 | 0.82% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $56 | $1 | $57 | 0.47% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $795 | $0 | $795 | 8.56% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $506 | $0 | $506 | 5.45% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $302 | $0 | $302 | 3.25% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON AND OTHER AGENTS | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $110 | $0 | $110 | 1.18% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $79 | $0 | $79 | 0.85% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $78 | $0 | $78 | 0.84% |
| CALEB RITCHEY3 | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $52 | $0 | $52 | 0.56% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $545 | $0 | $545 | 5.96% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $334 | $11 | $345 | 3.78% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $222 | $0 | $222 | 2.43% |
| CALEB RITCHEY3 Filed as: CALEB RITCHEY AND OTHER AGENTS | 3315 EAST LONGVIEW AVENUE APARTMENT 53 BLOOMINGTON, IN 47408 | AFLAC | $98 | $0 | $98 | 1.07% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $88 | $0 | $88 | 0.96% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $57 | $3 | $60 | 0.66% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $48 | $0 | $48 | 0.53% |
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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EHEALTH | 787 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 939 | $618K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 939 | $618K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 939 | $618K |
| Short-term disability(12 contracts) | AFLAC | 54 | $297K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 939 | $618K |
| Other(13 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 939 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.