| 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 | $29K | $13K | $43K | 7.26% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $3K | $0 | $3K | 6.23% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $78 | $2K | 4.16% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $732 | $0 | $732 | 1.58% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $679 | $21 | $700 | 1.51% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $304 | $23 | $327 | 0.71% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS AND OTHER AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $253 | $0 | $253 | 0.55% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET,SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $142 | $23 | $165 | 0.36% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 6.38% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $112 | $2K | 5.23% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $741 | $90 | $831 | 2.47% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $497 | $0 | $497 | 1.48% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $411 | $47 | $458 | 1.36% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $265 | $47 | $312 | 0.93% |
| MARK A WOJDA3 Filed as: MARK WOJDA AND OTHER AGENTS | 16258 DOGWOOD LANE PLYMOUTH, IN 46563 | AFLAC | $113 | $0 | $113 | 0.34% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 5.68% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $48 | $2K | 4.96% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS AND OTHER AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $546 | $0 | $546 | 1.65% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $470 | $0 | $470 | 1.42% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $443 | $17 | $460 | 1.39% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $283 | $15 | $298 | 0.90% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET,SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $253 | $15 | $268 | 0.81% |
| ROBERT BURGETT3 Filed as: ROBERT BURGETT AND OTHER AGENTS | 1701 WEST 18TH STREET,SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $4K | $0 | $4K | 11.25% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $1K | $0 | $1K | 3.95% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $8 | $1K | 3.16% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $621 | $0 | $621 | 1.90% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $454 | $8 | $462 | 1.42% |
| KITTE L ALLEN3 Filed as: KITTE ALLEN | 4401 RIVERWALK DRIVE CHARLESTON, SC 29405 | AFLAC | $358 | $0 | $358 | 1.10% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $165 | $4 | $169 | 0.52% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 5.53% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $881 | $83 | $964 | 3.48% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $641 | $83 | $724 | 2.62% |
| LARRY P WYNDHAM3 Filed as: LARRY WYNDHAM AND OTHER AGENTS | 914 SOUTH HADLEY STREET BRAZIL, IN 47834 | AFLAC | $693 | $0 | $693 | 2.50% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $363 | $0 | $363 | 1.31% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $263 | $39 | $302 | 1.09% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $167 | $39 | $206 | 0.74% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $1K | $0 | $1K | 8.99% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $668 | $78 | $746 | 5.00% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $513 | $60 | $573 | 3.84% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $250 | $32 | $282 | 1.89% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET,SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $145 | $32 | $177 | 1.19% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $119 | $0 | $119 | 0.80% |
| INEZ LEWIS Filed as: INEZ LEWIS AND OTHER AGENTS | 6850 CASTLE MANOR DRIVE INDIANAPOLIS, IN 46214 | AFLAC | $77 | $0 | $77 | 0.52% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $986 | $0 | $986 | 7.62% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $628 | $64 | $692 | 5.35% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $293 | $57 | $350 | 2.71% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $163 | $28 | $191 | 1.48% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $144 | $0 | $144 | 1.11% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $113 | $28 | $141 | 1.09% |
| MARK A WOJDA3 Filed as: MARK WOJDA AND OTHER AGENTS | 16258 DOGWOOD LANE PLYMOUTH, IN 46563 | AFLAC | $114 | $0 | $114 | 0.88% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $846 | $0 | $846 | 6.76% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $771 | $0 | $771 | 6.16% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $218 | $0 | $218 | 1.74% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $164 | $0 | $164 | 1.31% |
| CAROL S JOSSERAND3 Filed as: CAROL JOSSERAND AND OTHER AGENTS | 1391 VALDARNO DRIVE GREENWOOD, IN 46143 | AFLAC | $138 | $0 | $138 | 1.10% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $106 | $0 | $106 | 0.85% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET,SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $90 | $0 | $90 | 0.72% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $842 | $0 | $842 | 11.44% |
| JAY NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $667 | $34 | $701 | 9.52% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | AFLAC | $181 | $34 | $215 | 2.92% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 SOUTH STATE ROAD, SUITE 446 BLOOMINGTON, IN 47401 | AFLAC | $64 | $73 | $137 | 1.86% |
| ROBERT BURGETT3 | 1701 WEST 18TH STREET,SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $101 | $34 | $135 | 1.83% |
| MATTHEW SMITH3 | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $21 | $0 | $21 | 0.29% |
| ROBERT FELIX3 Filed as: ROBERT FELIX AND OTHER AGENTS | 6650 WILMOT LANE AVON, IN 46123 | AFLAC | $6 | $0 | $6 | 0.08% |
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 | 887 | 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) | 887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 887 | $586K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 887 | $586K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 887 | $586K |
| Short-term disability(9 contracts) | AFLAC | 37 | $221K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 887 | $586K |
| Other(10 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 887 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.