| 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 | $32K | $2K | $34K | 5.56% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $4K | $0 | $4K | 6.41% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $3K | $214 | $3K | 4.86% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $1K | $124 | $1K | 2.15% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $670 | $0 | $670 | 1.05% |
| MJ INSURANCE3 Filed as: CALEB RITCHEY AND VARIOUS AGENTS | 3315 EAST LONGVIEW AVENUE APARTMENT 17 BLOOMINGTON, IN 47408 | AFLAC | $606 | $29 | $635 | 1.00% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $437 | $0 | $437 | 0.69% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $300 | $38 | $338 | 0.53% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $222 | $3K | 6.35% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 5.32% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $703 | $46 | $749 | 1.81% |
| MJ INSURANCE3 Filed as: KYLE R. ELLISON AND VARIOUS AGENTS | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $617 | $9 | $626 | 1.51% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $609 | $0 | $609 | 1.47% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $269 | $0 | $269 | 0.65% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46167 | AFLAC | $162 | $41 | $203 | 0.49% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 4.74% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $1K | $21 | $1K | 2.87% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $547 | $21 | $568 | 1.58% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $531 | $0 | $531 | 1.48% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS AND OTHER AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $277 | $0 | $277 | 0.77% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $90 | $10 | $100 | 0.28% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $87 | $0 | $87 | 0.24% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 7.44% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $58 | $2K | 5.92% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $442 | $58 | $500 | 1.56% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $383 | $0 | $383 | 1.19% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $332 | $0 | $332 | 1.03% |
| MJ INSURANCE3 Filed as: MARK A. WOJDA AND VARIOUS AGENTS | 16258 DOGWOOD LANE PLYMOUTH, IN 46563 | AFLAC | $152 | $12 | $164 | 0.51% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $128 | $12 | $140 | 0.44% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $2K | $0 | $2K | 8.73% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $2K | $56 | $2K | 7.14% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS AND OTHER AGENTS | 225 EAST WASHINGTON STREET GREENCASTLE, IN 46135 | AFLAC | $547 | $0 | $547 | 2.09% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $450 | $56 | $506 | 1.93% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $433 | $0 | $433 | 1.65% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $170 | $23 | $193 | 0.74% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $106 | $0 | $106 | 0.40% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $1K | $0 | $1K | 6.64% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $894 | $22 | $916 | 5.53% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $465 | $22 | $487 | 2.94% |
| MJ INSURANCE3 Filed as: CALEB RITCHEY AND VARIOUS AGENTS | 3315 EAST LONGVIEW AVENUE APARTMENT 17 BLOOMINGTON, IN 47408 | AFLAC | $169 | $0 | $169 | 1.02% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $155 | $0 | $155 | 0.94% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $150 | $0 | $150 | 0.91% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $109 | $7 | $116 | 0.70% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $610 | $0 | $610 | 3.90% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $509 | $0 | $509 | 3.25% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $479 | $0 | $479 | 3.06% |
| MJ INSURANCE3 Filed as: CALBE RITCHEY AND VARIOUS AGENTS | 3315 EAST LONGVIEW AVENUE APARTMENT 17 BLOOMINGTON, IN 47408 | AFLAC | $415 | $0 | $415 | 2.65% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $165 | $0 | $165 | 1.05% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $99 | $0 | $99 | 0.63% |
| JULIE N HAWES3 Filed as: JULIE N. HAWES | 4410 WEST 141ST STREET ZIONSVILLE, IN 46077 | AFLAC | $84 | $0 | $84 | 0.54% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $448 | $234 | $682 | 5.20% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $402 | $0 | $402 | 3.07% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $165 | $201 | $366 | 2.79% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $106 | $42 | $148 | 1.13% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $75 | $50 | $125 | 0.95% |
| JON J SCHAEFER3 Filed as: JON J. SCHAEFER AND OTHER AGENTS | 7352 WEST BEYERS COURT NEW PALESTINE, IN 46163 | AFLAC | $80 | $0 | $80 | 0.61% |
| KRISTIN SWISHER-MCFADDEN3 | 1820 WEST CANNING DRIVE MOUNT PLEASANT, SC 29466 | AFLAC | $69 | $0 | $69 | 0.53% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $730 | $0 | $730 | 5.88% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $617 | $31 | $648 | 5.22% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $191 | $0 | $191 | 1.54% |
| MJ INSURANCE3 Filed as: KYLE R. ELLISON AND VARIOUS AGENTS | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $143 | $15 | $158 | 1.27% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $112 | $31 | $143 | 1.15% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $99 | $0 | $99 | 0.80% |
| CAROL S JOSSERAND3 Filed as: CAROL S. JOSSERAND | 1391 VALDARNO DRIVE GREENWOOD, IN 46143 | AFLAC | $65 | $0 | $65 | 0.52% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $798 | $0 | $798 | 8.12% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $503 | $85 | $588 | 5.98% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $211 | $52 | $263 | 2.68% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $88 | $8 | $96 | 0.98% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $87 | $0 | $87 | 0.89% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA LYNN ROWE AND OTHER AGENTS | 3386 CHALICE COURT PLAINFIELD, IN 46167 | AFLAC | $64 | $9 | $73 | 0.74% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $49 | $9 | $58 | 0.59% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $792 | $0 | $792 | 10.01% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $608 | $14 | $622 | 7.86% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $146 | $0 | $146 | 1.85% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $66 | $14 | $80 | 1.01% |
| KYLE ELLISON3 Filed as: KYLE R. ELLISON | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $53 | $3 | $56 | 0.71% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $11 | $3 | $14 | 0.18% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $6 | $0 | $6 | 0.08% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | AFLAC | $679 | $0 | $679 | 14.68% |
| JAY C. NEWLIN3 | 804 SENEFF COURT PLAINFIELD, IN 46168 | AFLAC | $578 | $0 | $578 | 12.49% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 WEST 141ST STREET CARMEL, IN 46074 | AFLAC | $132 | $0 | $132 | 2.85% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 6655 MICHAEL DRIVE CINCINNATI, OH 45243 | AFLAC | $39 | $0 | $39 | 0.84% |
| WARREN REID HAVENOR3 | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | AFLAC | $14 | $0 | $14 | 0.30% |
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 | 1,045 | 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) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 884 | $613K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 884 | $613K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 884 | $613K |
| Short-term disability(12 contracts) | AFLAC | 61 | $279K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 884 | $613K |
| Other(13 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 884 | $893K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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.