| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 1208 W WHITE RIVER BLVD STE 102 MUNCIE, IN 473038003 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 3.75% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 1208 WEST WHITE RIVER BLVD MUNCIE, IN 47303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.14% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 2609 W BROOK DRIVE MUNCIE, IN 47304 | ANTHEM INSURANCE COMPANIES INC | $2K | $0 | $2K | 2.92% |
| ANGELA R CONDON3 | PO BOX 820 ROCHESTER, IN 46975 | AFLAC | $616 | $0 | $616 | 4.18% |
| TERRY L LOTHAMER3 | 2609 W BROOK DRIVE MUNCIE, IN 47304 | AFLAC | $432 | $0 | $432 | 2.93% |
| JEFFREY LUXENBERG3 Filed as: JEFFREY D LUXENBERG | 307 LONGTREE LN LOGANSPORT, IN 46947 | AFLAC | $134 | $0 | $134 | 0.91% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMET, IN 46033 | AFLAC | $113 | $0 | $113 | 0.77% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DR KOKOMO, IN 46901 | AFLAC | $98 | $0 | $98 | 0.67% |
| TERESA M FURNIVALL3 | 1331 LAKEVIEW BEND ROCHESTER, IN 46975 | AFLAC | $97 | $0 | $97 | 0.66% |
| DAVID R KREMER3 | 2150 ASSOCIATION DR STE 15 OKEMOS, MI 48864 | AFLAC | $53 | $2 | $55 | 0.37% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $54 | $0 | $54 | 0.37% |
| JEREMY JAY JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $31 | $0 | $31 | 0.21% |
| DWIGHT GOSSETT3 Filed as: DWIGHT D GOSSETT | 13070 ABRAHAM RUN CARMET, IN 46033 | AFLAC | $22 | $0 | $22 | 0.15% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $19 | $0 | $19 | 0.13% |
| KANDACE M MCCARTHY3 Filed as: KANDACE ME MCCARTHY | 304 CANTERFIELD PKWY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $18 | $0 | $18 | 0.12% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $15 | $2 | $17 | 0.12% |
| JERAD C CROOKS3 | 705 TULIP CT BOURBON, IN 46504 | AFLAC | $12 | $2 | $14 | 0.10% |
| TIMOTHY GUY HICKS3 | 509 W 6TH STREET MILFORD, IN 46542 | AFLAC | $11 | $0 | $11 | 0.07% |
| JOHN TYLER & ASSOCIATES3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $1 | $0 | $1 | 0.01% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 508 DEVONSHIRE DR KOKOMO, IN 46901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | $0 | $169 | 2.75% |
| ANGELA R CONDON3 Filed as: ANGELA CONDON | PO BOX 820 ROCHESTER, IN 46975 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | $0 | $145 | 2.36% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE W MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 1.48% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 1208 W WHITERIVER BLVD MUNCIE, IN 47303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 1.10% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.75% |
| TIM G HICKS3 | PO BOX 329 MILFORD, IN 46542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.44% |
| TERRY L LOTHAMER3 | 1208 W WHITERIVER BLVD MUNCIE, IN 47303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.18% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| MATTHEW A COOK3 | 9247 N MERIDIAN ST 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 N MERIDIAN ST INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $688K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $73K |
| Short-term disability | AFLAC | 26 | $15K |
| Other(2 contracts, 2 carriers) | AFLAC | 26 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.