| 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 47303 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 3.06% |
| EMPLOYEE BNFT SLTN INC3 | 1208 W WHITE RIVER BLVD #105 MUNCIE, IN 47303 | LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $6K | — | $6K | 10.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | LINCOLN NATIONAL LIFE INSRUANCE COMPANY | — | $3K | $3K | 5.00% |
| EMPLOYEE BNFT SLTN INC3 | 1208 W WHITE RIVER BLVD #102 MUNCIE, IN 47303 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $955 | — | $955 | 7.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $409 | $409 | 3.00% |
| ANGELA R CONDON3 | PO BOX 820 ROCHESTER, IN 46975 | AFLAC | $831 | — | $831 | 6.29% |
| TERRY L LOTHAMER3 | 2609 W BROOK DR MUNCIE, IN 47304 | AFLAC | $800 | — | $800 | 6.05% |
| PAUL M MARTINDALE3 | 10255 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $151 | — | $151 | 1.14% |
| JEFFREY LUXENBERG3 Filed as: JEFFREY D LUXENBERG | 307 LONGTREE LN LOGANSPORT, IN 46947 | AFLAC | $120 | — | $120 | 0.91% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $79 | — | $79 | 0.60% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DR KOKOMO, IN 46901 | AFLAC | $60 | — | $60 | 0.45% |
| TERESA M FURNIVALL3 | 1331 LAKEVIEW BND ROCHESTER, IN 46975 | AFLAC | $59 | — | $59 | 0.45% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $37 | — | $37 | 0.28% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE LEEPER | 707 ASTER CT BOURBON, IN 46504 | AFLAC | $34 | — | $34 | 0.26% |
| JEREMY JAY JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $26 | — | $26 | 0.20% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DR FORT WAYEN, IN 46825 | AFLAC | $23 | — | $23 | 0.17% |
| DAVID R KREMER3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $23 | — | $23 | 0.17% |
| KYLE L KAUFFMAN3 | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $19 | — | $19 | 0.14% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $17 | — | $17 | 0.13% |
| KANDACE M MCCARTHY3 | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | $16 | — | $16 | 0.12% |
| JERAD C CROOKS3 | 540 S MAIN ST BOURBON, IN 46504 | AFLAC | $15 | — | $15 | 0.11% |
| KYLE L KAUFFMAN3 | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $8 | — | $8 | 0.06% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $6 | — | $6 | 0.05% |
| DANNY L WHITMIRE3 | 16474 PRETTY VIEW DR PLYMOUTH, IN 46563 | AFLAC | $5 | — | $5 | 0.04% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRINGER, IN 46530 | AFLAC | $4 | — | $4 | 0.03% |
| DWIGHT GOSSETT3 Filed as: DWIGHT D GOSSETT | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $3 | — | $3 | 0.02% |
| CARRIE C SCHRAMM3 | 10418 PRETTY LAKE TRL PLMOUTH, IN 46563 | AFLAC | $2 | — | $2 | 0.02% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $2 | — | $2 | 0.02% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PKWY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | 0.02% |
| CAROL J THOMPSON3 | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AFLAC | $2 | — | $2 | 0.02% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $2 | — | $2 | 0.02% |
| MARK A WOJDA3 | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $2 | — | $2 | 0.02% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.01% |
| EMPLOYEE BNFT SLTN INC3 | 1208 W WHITE RIVER BLVD #102 MUNCIE, IN 47303 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $467 | $467 | 5.00% |
| EMPLOYEE BNFT SLTN INC3 | 1208 W WHITE RIVER BLVD #102 MUNCIE, IN 47303 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $950 | — | $950 | 15.01% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $316 | $316 | 4.99% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DRIVE KOKOMO, IN 46901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 3.31% |
| ANGELA R CONDON3 | PO BOX 820 ROCHESTER, IN 46975 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 2.72% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS, INC. | 1208 W. WHITERIVER BLVD MUNCIE, IN 47303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 2.28% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE W MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 1.89% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.83% |
| TERRY L LOTHAMER3 | 1208 W WHITERIVER BLVD MUNCIE, IN 47303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.67% |
| ANGELA R CONDON3 | PO BOX 820 ROCHESTER, IN 46975 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.59% |
| JERAD C CROOKS3 | 540 S MAIN ST BOURBON, IN 46504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.43% |
| TIMOTHY GUY HICKS3 Filed as: TIMOTHY G HICKS | PO BOX 329 MILFORD, IN 46542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.24% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| TODD DEVOSS3 | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $819K |
| Dental | LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 99 | $56K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $828K |
| Short-term disability | AFLAC | 26 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12 | $6K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 17 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.