| 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 | $31K | $13K | $43K | 7.11% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 4.97% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $76 | $1K | 3.24% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $660 | $9 | $669 | 1.63% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $631 | $0 | $631 | 1.54% |
| ROBERT BURGETT3 Filed as: ROBERT W. BURGETT AND OTHER AGENTS | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $266 | $20 | $286 | 0.70% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $182 | $20 | $202 | 0.49% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $72 | $0 | $72 | 0.18% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $15 | $2K | 6.08% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 5.34% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $601 | $15 | $616 | 1.95% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $547 | $0 | $547 | 1.73% |
| MJ INSURANCE3 Filed as: KITTE L. ALLEN AND VARIOUS AGENTS | 8180 RONDA DRIVE NORTH CHARLESTON, SC 29406 | AFLAC | $500 | $7 | $507 | 1.61% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $259 | $0 | $259 | 0.82% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $207 | $7 | $214 | 0.68% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 5.37% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $76 | $1K | 4.41% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $697 | $65 | $762 | 2.53% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $384 | $0 | $384 | 1.28% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $241 | $33 | $274 | 0.91% |
| ROBERT BURGETT3 Filed as: ROBERT W. BURGETT AND OTHER AGENTS | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $226 | $33 | $259 | 0.86% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $109 | $0 | $109 | 0.36% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $1K | $0 | $1K | 4.98% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $105 | $1K | 4.52% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $635 | $0 | $635 | 2.27% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS & OTHER AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $560 | $0 | $560 | 2.01% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $361 | $0 | $361 | 1.29% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $180 | $25 | $205 | 0.73% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $129 | $25 | $154 | 0.55% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $1K | $0 | $1K | 5.56% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $847 | $51 | $898 | 3.49% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $693 | $51 | $744 | 2.89% |
| MJ INSURANCE3 Filed as: INEZ E. LEWIS AND VARIOUS AGENTS | 6850 CASTLE MANOR DRIVE INDIANAPOLIS, IN 46214 | AFLAC | $692 | $24 | $716 | 2.79% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $347 | $24 | $371 | 1.44% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $209 | $0 | $209 | 0.81% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $105 | $0 | $105 | 0.41% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 8.82% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $28 | $2K | 8.61% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $686 | $28 | $714 | 3.77% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $301 | $13 | $314 | 1.66% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $240 | $0 | $240 | 1.27% |
| ROBERT BURGETT3 Filed as: ROBERT W. BURGETT AND OTHER AGENTS | 1701 WEST 18TH STREET, SUITE A INDIANPOLIS, IN 46202 | AFLAC | $132 | $13 | $145 | 0.77% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $131 | $0 | $131 | 0.69% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $875 | $0 | $875 | 5.46% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $777 | $11 | $788 | 4.92% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $403 | $0 | $403 | 2.52% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS & OTHER AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $243 | $3 | $246 | 1.54% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $182 | $0 | $182 | 1.14% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $134 | $3 | $137 | 0.86% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $92 | $0 | $92 | 0.57% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $765 | $0 | $765 | 6.38% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $521 | $62 | $583 | 4.87% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $371 | $0 | $371 | 3.10% |
| CAROL S JOSSERAND3 Filed as: CAROL S. JOSSERAND & OTHER AGENTS | 1391 VALDARNO DRIVE GREENWOOD, IN 46143 | AFLAC | $179 | $15 | $194 | 1.62% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $188 | $0 | $188 | 1.57% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $103 | $15 | $118 | 0.98% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $85 | $0 | $85 | 0.71% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $392 | $0 | $392 | 7.50% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $209 | $91 | $300 | 5.74% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 466 BLOOMINGTON, IN 47401 | AFLAC | $117 | $0 | $117 | 2.24% |
| KYLE ELLISON3 Filed as: KYLE R. ELLLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $76 | $21 | $97 | 1.86% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $31 | $21 | $52 | 0.99% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $22 | $0 | $22 | 0.42% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $6 | $0 | $6 | 0.11% |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 885 | $611K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 885 | $611K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 885 | $611K |
| Short-term disability(9 contracts) | AFLAC | 34 | $208K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 885 | $611K |
| Other(10 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 885 | $819K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.