| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $2K | $28K | 5.48% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $3K | $33 | $3K | 6.52% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $846 | $2K | 5.36% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $1K | $775 | $2K | 3.84% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $1K | $635 | $2K | 3.55% |
| MJ INSURANCE3 Filed as: STONER INSURANCE AND VARIOUS AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $303 | $0 | $303 | 0.65% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $121 | $0 | $121 | 0.26% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $80 | $0 | $80 | 0.17% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $555 | $2K | 4.47% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $1K | $0 | $1K | 3.65% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $742 | $407 | $1K | 3.03% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $556 | $475 | $1K | 2.72% |
| MJ INSURANCE3 Filed as: WILLIAM R. ELDEN AND VARIOUS AGENTS | 400 WABASH AVENUE, SUITE B10 TERRE HAUTE, IN 47807 | AFLAC | $618 | $0 | $618 | 1.63% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $155 | $0 | $155 | 0.41% |
| LARRY P WYNDHAM3 Filed as: LARRY P. WYNDHAM | 914 SOUTH HADLEY STREET BRAZIL, IN 47834 | AFLAC | $144 | $0 | $144 | 0.38% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $2K | $0 | $2K | 5.27% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $313 | $2K | 4.68% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $788 | $303 | $1K | 3.23% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $686 | $144 | $830 | 2.46% |
| MJ INSURANCE3 Filed as: KYLE R. ELLISON AND VARIOUS AGENTS | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $563 | $0 | $563 | 1.67% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $178 | $0 | $178 | 0.53% |
| STONER INSURANCE INC.3 | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $157 | $0 | $157 | 0.46% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $1K | $0 | $1K | 5.97% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $801 | $245 | $1K | 4.29% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $608 | $202 | $810 | 3.32% |
| ROBERT BURGETT3 Filed as: ROBERT W. BURGETT AND OTHER AGENTS | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $624 | $0 | $624 | 2.56% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $370 | $179 | $549 | 2.25% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $222 | $0 | $222 | 0.91% |
| LARRY P WYNDHAM3 Filed as: LARRY P. WYNDHAM | 914 SOUTH HADLEY STREET BRAZIL, IN 47834 | AFLAC | $154 | $0 | $154 | 0.63% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $2K | $0 | $2K | 7.44% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $395 | $1K | 6.06% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $655 | $279 | $934 | 3.88% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $421 | $257 | $678 | 2.82% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $247 | $0 | $247 | 1.03% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $164 | $0 | $164 | 0.68% |
| MJ INSURANCE3 Filed as: MARK A. WOJDA AND VARIOUS AGENTS | 16258 DOGWOOD LANE PLYMOUTH, IN 46563 | AFLAC | $109 | $0 | $109 | 0.45% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $1K | $0 | $1K | 10.22% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $670 | $127 | $797 | 6.17% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $520 | $127 | $647 | 5.01% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $244 | $0 | $244 | 1.89% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $123 | $59 | $182 | 1.41% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $139 | $0 | $139 | 1.08% |
| MJ INSURANCE3 Filed as: INES E. LEWIS AND VARIOUS AGENTS | 6850 CASTLE MANOR DRIVE INDIANAPOLIS, IN 46214 | AFLAC | $98 | $0 | $98 | 0.76% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $910 | $0 | $910 | 8.18% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $502 | $135 | $637 | 5.73% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $358 | $135 | $493 | 4.43% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $139 | $108 | $247 | 2.22% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $148 | $0 | $148 | 1.33% |
| MJ INSURANCE3 Filed as: STONER INSURANCE AND VARIOUS AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $119 | $0 | $119 | 1.07% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $94 | $0 | $94 | 0.85% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $266 | $201 | $467 | 4.55% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $373 | $0 | $373 | 3.64% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $221 | $84 | $305 | 2.97% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $129 | $157 | $286 | 2.79% |
| MJ INSURANCE3 Filed as: ROBERT S. FELIX AND VARIOUS AGENTS | 6650 WILMOT LANE AVON, IN 46123 | AFLAC | $55 | $0 | $55 | 0.54% |
| JEFFREY EMERY3 Filed as: JEFFREY S. EMERY | 34 NORTH HOWELL STREET HILLSDALE, MI 49242 | AFLAC | $29 | $0 | $29 | 0.28% |
| STONER INSURANCE INC.3 | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $25 | $0 | $25 | 0.24% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | AFLAC | $935 | $0 | $935 | 13.97% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $481 | $66 | $547 | 8.17% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $375 | $66 | $441 | 6.59% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $194 | $5 | $199 | 2.97% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $101 | $5 | $106 | 1.58% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | AFLAC | $45 | $44 | $89 | 1.33% |
| MJ INSURANCE3 Filed as: STONER INSURANCE AND VARIOUS AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $40 | $0 | $40 | 0.60% |
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 | 796 | 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) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 796 | $514K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 796 | $514K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 796 | $514K |
| Short-term disability(9 contracts) | AFLAC | 42 | $208K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 796 | $514K |
| Other(10 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 796 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.