| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BNFT SLTN INC3 Filed as: EMPLOYEE BENEFETS SOLUTIONS, INC. | 2609 W BROOK DR MUNCIE, IN 47304 | ANTHEM INSURANCE COMPANIES, INC | $24K | — | $24K | 2.91% |
| EMPLOYEE BNFT SLTN INC3 | 1208 W WHITE RIVER BLVD #102 MUNCIE, IN 47303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| TERRY L LOTHAMER3 | 2609 W BROOK DR MUNCIE, IN 47304 | AFLAC | $662 | — | $662 | 4.82% |
| ANGELA R CONDON3 | PO BOX 820 ROCHESTER, IN 46975 | AFLAC | $600 | — | $600 | 4.37% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE LEEPER | 707 ASTER CT BOURBON, IN 46504 | AFLAC | $173 | $7 | $180 | 1.31% |
| PAUL M MARTINDALE3 | 10255 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $87 | $20 | $107 | 0.78% |
| JEFFREY LUXENBERG3 Filed as: JEFFREY D LUXENBERG | 307 LONGTREE LN LOGANSPORT, IN 46947 | AFLAC | $98 | — | $98 | 0.71% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $87 | — | $87 | 0.63% |
| EMPLOYEE BENEFIT CONSULTING LLC3 | 9801 FALL CREEK RD INDIANAPOLIS, IN 46256 | AFLAC | $62 | — | $62 | 0.45% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DR FORT WAYNE, IN 46825 | AFLAC | $54 | $7 | $61 | 0.44% |
| TERESA M FURNIVALL3 | 1331 LAKEVIEW BND ROCHESTER, IN 46975 | AFLAC | $53 | — | $53 | 0.39% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DR KOKOMO, IN 46901 | AFLAC | $46 | — | $46 | 0.33% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $40 | — | $40 | 0.29% |
| KYLE L KAUFFMAN3 | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $31 | — | $31 | 0.23% |
| DAVID R KREMER3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $24 | — | $24 | 0.17% |
| JEREMY JAY JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $22 | — | $22 | 0.16% |
| KANDACE M MCCARTHY3 | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | $22 | — | $22 | 0.16% |
| JERAD C CROOKS3 | 540 S MAIN ST BOURBON, IN 46504 | AFLAC | $18 | — | $18 | 0.13% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $14 | — | $14 | 0.10% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $7 | — | $7 | 0.05% |
| DANNY R. OSTER3 Filed as: DANNY WHITMIRE | 16474 PRETTY VIEW DR PLYMOUTH, IN 46563 | AFLAC | $6 | — | $6 | 0.04% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $2 | — | $2 | 0.01% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $2 | — | $2 | 0.01% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $2 | — | $2 | 0.01% |
| MARK A WOJDA3 | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $2 | — | $2 | 0.01% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.01% |
| CAROL J THOMPSON3 | 51717 SUMM WOOD CT GRANGER, IN 46530 | AFLAC | $1 | — | $1 | 0.01% |
| CARRIE C SCHRAMM3 | 10418 PRETTY LAKE TRL PLYMOUTH, IN 46563 | 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | — | $842 | 7.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $361 | $361 | 3.00% |
| EMPLOYEE BNFT SLTN INC3 | 1208 W WHITE RIVER BLVD #102 MUNCIE, IN 47303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $461 | $461 | 5.00% |
| EMPLOYEE BNFT SLTN INC3 | 1208 W WHITE RIVER BLVD #102 MUNCIE, IN 47303 | THE LINCOLN NATIONAL LIFE INSURANCE | $941 | — | $941 | 15.01% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 2813 LEVEN AVE NEW LENOX, IL 60451 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $313 | $313 | 4.99% |
| MCROBERTS GREGORY A3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $384 | — | $384 | — |
| MCROBERTS GREGORY A3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $136 | — | $136 | — |
| MCROBERTS GREGORY A3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | — |
| MCROBERTS GREGORY A3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $79 | — | $79 | — |
| MCROBERTS GREGORY A3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22 | — | $22 | — |
| MCROBERTS GREGORY A3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $144 | — | $144 | — |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 77 | $816K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $51K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $18K |
| Short-term disability | AFLAC | 22 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 12 | $6K |
| Other(6 contracts) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 15 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.