| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 1208 W WHITERIVER BLVD STE 102 MUNCIE, IN 47303 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 3.27% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 1208 W WHITERIVER BLVD MUNCIE, IN 47303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.11% |
| ANGELA R CONDON3 | POBOX 820 ROCHESTER, IN 46975 | AFLAC | $746 | — | $746 | 4.65% |
| TERRY L LOTHAMER3 | 2609 W BROOK DR MUNCIE, IN 47304 | AFLAC | $657 | — | $657 | 4.09% |
| JEFFREY LUXENBERG3 Filed as: JEFFREY D LUXENBERG | 307 LONGTREE LN LOGANSPORT, IN 46947 | AFLAC | $147 | — | $147 | 0.92% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $110 | — | $110 | 0.69% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DR KOKOMO, IN 46901 | AFLAC | $101 | — | $101 | 0.63% |
| TERESA M FURNIVALL3 | 1331 LAKEVIEW BEND ROCHESTER, IN 46975 | AFLAC | $95 | — | $95 | 0.59% |
| KYLE L KAUFFMAN3 | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $77 | — | $77 | 0.48% |
| JERAD C CROOKS3 | 705 TULIP CT BOURBON, IN 46504 | AFLAC | $61 | — | $61 | 0.38% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $54 | — | $54 | 0.34% |
| DAVID R KREMER3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $49 | — | $49 | 0.31% |
| JERMY JAY JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $34 | — | $34 | 0.21% |
| DWIGHT GOSSETT3 Filed as: DWIGHT D GOSSETT | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $24 | — | $24 | 0.15% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $21 | — | $21 | 0.13% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PKWY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $20 | — | $20 | 0.12% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $12 | — | $12 | 0.07% |
| TIMOTHY GUY HICKS3 | 509 W 6TH STREET MILFORD, IN 46542 | AFLAC | $9 | — | $9 | 0.06% |
| CAROL J THOMPSON3 | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AFLAC | $1 | — | $1 | 0.01% |
| MATTHEW A COOK3 | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.01% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $1 | — | $1 | 0.01% |
| MARK A WOJDA3 | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $1 | — | $1 | 0.01% |
| CARRIE C SCHRAMM3 | 10418 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $1 | — | $1 | 0.01% |
| MATTHEW M NACHAZEL3 | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $1 | — | $1 | 0.01% |
| DANNY L WHITMIRE3 | 16474 PRETTY VIEW DRIVE PLMOUTH, IN 46563 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN TYLER & ASSOCIATES3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $1 | — | $1 | 0.01% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 1208 W WHITERIVER BLVD MUNCIE, IN 47303 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $2K | $3K | 24.50% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DR KOKOMO, IN 46901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 2.71% |
| ANGELA R CONDON3 Filed as: ANGELA CONDON | PO BOX 820 ROCHESTER, IN 46975 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 2.34% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE W MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 1.46% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 1208 W WHITERIVER BLVD MUNCIE, IN 47303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 1.13% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.73% |
| TIMOTHY GUY HICKS3 Filed as: TIMOTHY G HICKS | PO BOX 329 MILFORD, IN 46542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.46% |
| TERRY L LOTHAMER3 | 1208 W WHITERIVER BLVE SUITE 102 MUNCIE, IN 47303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.19% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| MATTHEW A COOK3 | 9247 N MERIDIAN ST 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 82 | $676K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $72K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $72K |
| Short-term disability | AFLAC | 24 | $16K |
| Other(3 contracts, 3 carriers) | AFLAC | 24 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.