| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 609 W BROOK DR MUNCIE, IN 47304 | ANTHEM INSURANCE COMPANIES INC. | $22K | — | $22K | 3.03% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC. | 4319 WEST CLARA LANE PMB 327 MUNCIE, IN 47304 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.21% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.28% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIOS, LTD | 2813 LEVEN AVENUE NEW LENOX, IL 60451 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.46% |
| TERRY L LOTHAMER3 | 2609 W BROOK DR MUNCIE, IN 47304 | AFLAC | $533 | — | $533 | 4.71% |
| ANGELA R CONDON3 | PO BOX 820 ROCHESTER, IN 46975 | AFLAC | $337 | — | $337 | 2.98% |
| CASSANDRA MARTIN3 | 3000 W KINGS CANYON RD MUNCIE, IN 47303 | AFLAC | $211 | $45 | $256 | 2.26% |
| JEFFREY LUXENBERG3 Filed as: JEFFREY D LUXENBERG | 307 LONGTREE LN LOGANSPORT, IN 46947 | AFLAC | $84 | $0 | $84 | 0.74% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $59 | — | $59 | 0.52% |
| PAUL M MARTINDALE3 | 10255 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $53 | — | $53 | 0.47% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DR KOKOMO, IN 46901 | AFLAC | $36 | — | $36 | 0.32% |
| ASHLEY LYNN SHAW3 | 603 E WASHINGTON ST STE 100 INDIANAPOLIS, IN 46204 | AFLAC | $20 | $11 | $31 | 0.27% |
| TERESA M FURNIVALL3 | 1331 LAKEVIEW BND ROCHESTER, IN 46975 | AFLAC | $28 | — | $28 | 0.25% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $26 | — | $26 | 0.23% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE LEEPER | 707 ASTER CT BOURBON, IN 46504 | AFLAC | $26 | — | $26 | 0.23% |
| KYLE L KAUFFMAN3 Filed as: KYLE L KAUFFFMAN | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $21 | — | $21 | 0.19% |
| JEREMY JAY JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $19 | — | $19 | 0.17% |
| DAVID R KREMER3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $18 | — | $18 | 0.16% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $17 | — | $17 | 0.15% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $13 | — | $13 | 0.11% |
| MARIA N VONDIELINGEN3 | 9912 RIDGE DR INDIANAPOLIS, IN 46256 | AFLAC | $12 | — | $12 | 0.11% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DR FORT WAYNE, IN 46825 | AFLAC | $8 | — | $8 | 0.07% |
| JERAD C CROOKS3 | 540 S MAIN ST BOURBON, IN 46504 | AFLAC | $7 | — | $7 | 0.06% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE & ASSOCIATRES | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $4 | — | $4 | 0.04% |
| DANNY L WHITMIRE3 | 16474 PRETTY VIEW DR PLYMOUTH, IN 46563 | AFLAC | $4 | — | $4 | 0.04% |
| KANDACE M MCCARTHY3 | 6119 HIGHLAND LN VILLAGE OF LAKEWOOD, IL 60014 | AFLAC | $3 | — | $3 | 0.03% |
| JONATHAN DAVID BESWARICK3 | 250 ESTATES DR GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.03% |
| MARK A WOJDA3 | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $2 | — | $2 | 0.02% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $2 | — | $2 | 0.02% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $2 | — | $2 | 0.02% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | 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% |
| CAROL J THOMPSON3 | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AFLAC | $1 | — | $1 | 0.01% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $1 | — | $1 | 0.01% |
| GREGORY A MCROBERTS3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES INC. | 72 | $742K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $66K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $66K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 157 | $10K |
| Short-term disability | AFLAC | 18 | $11K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.