| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYCAMORE INS ASSOC LLC3 Filed as: SYCAMORE INSURANCE ASSOCIATION LLC | 999 OHIO STREET TERRE HAUTE, IN 47807 | ANTHEM INSURANCE COMPANIES, INC. | $30K | $6 | $30K | 3.96% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS INC. | 925 WABASH AVENUE SUITE 200 TERRE HAUTE, IN 47807 | ANTHEM INSURANCE COMPANIES, INC. | — | $8 | $8 | 0.00% |
| SYCAMORE INSURANCE ASSOCIATES, LLC3 Filed as: SYCAMORE INSURANCE ASSOCIATES | 999 OHIO STREET TERRE HAUTE, IN 47807 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.74% |
| LYNN M STEPPE3 | 1208 NORTH FARRIER STREET TERRE HAUTE, IN 47803 | AFLAC | $4K | $23 | $4K | 15.49% |
| WILLIAM RICHARD ELDEN3 | 400 WABASH AVENUE SUITE 10B TERRE HAUTE, IN 47807 | AFLAC | $1K | $5 | $1K | 5.22% |
| ROBERT W BURGETT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $815 | $5 | $820 | 3.25% |
| SYCAMORE INSURANCE ASSOCIATES, LLC3 Filed as: SYCAMORE INSURANCE ASSOCIATES LLC | 999 OHIO STREET TERRE HAUTE, IN 47807 | AFLAC | $700 | — | $700 | 2.77% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP INC | P.O. BOX 1488 TERRE HAUTE, IN 47808 | AFLAC | $310 | — | $310 | 1.23% |
| LARRY P WYNDHAM3 | 55 SOUTH FOREST AVENUE BRAZIL, IN 47834 | AFLAC | $54 | — | $54 | 0.21% |
| THOMAS H SWAN3 | 4317 GOLF BAG LANE TERRE HAUTE, IN 47802 | AFLAC | $44 | — | $44 | 0.17% |
| FREDRICK EITEL3 | 602 NORTH 8TH STREET MARSHALL, IL 62441 | AFLAC | $39 | — | $39 | 0.15% |
| PETER J EMMERT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $28 | — | $28 | 0.11% |
| WARREN REID HAVENOR3 | 8777 PURDUE ROAD SUITE 104 INDIANAPOLIS, IN 46268 | AFLAC | $22 | — | $22 | 0.09% |
| CHRISTOPHER RYAN CORDON3 | 1080 BLACKHAWK DRIVE ELGIN, IL 60120 | AFLAC | $21 | — | $21 | 0.08% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVENUE SUITE 202 BILLINGS, MT 59102 | AFLAC | $15 | — | $15 | 0.06% |
| KEVIN M VERST3 | 4573 IRONWOOD LANE TERRE HAUTE, IN 47802 | AFLAC | $15 | — | $15 | 0.06% |
| JAMES A BURRESS3 | 6418 FAYBOROUGH COURT DUBLIN, OH 43016 | AFLAC | $13 | — | $13 | 0.05% |
| ROBERT E JONES3 | 55 SOUTH FOREST AVENUE BRAZIL, IN 47834 | AFLAC | $11 | — | $11 | 0.04% |
| FRANCES R WYNDHAM3 | 722 WEST NORTH STREET BRAZIL, IN 47834 | AFLAC | $9 | — | $9 | 0.04% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | AFLAC | $7 | — | $7 | 0.03% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $7 | — | $7 | 0.03% |
| SHARYL K BATHE3 | 1816 BROADWAY AVENUE MATTOON, IL 61983 | AFLAC | $5 | — | $5 | 0.02% |
| SHARYL K BATHE3 | 620 ODD FELLOW ROAD MATTOON, IL 61983 | AFLAC | $5 | — | $5 | 0.02% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBRROK DRIVE CARMEL, IN 46074 | AFLAC | $5 | — | $5 | 0.02% |
| LLOYD W HUGHES3 | 3775 NORTH STATE ROAD 52 LENANON, IN 46052 | AFLAC | $5 | — | $5 | 0.02% |
| HARROLD/HUGHES INSURANCE3 Filed as: HARROLD HUGHES INSURANCE | 3775 NORTH US 52 LEBANON, IN 46052 | AFLAC | $5 | — | $5 | 0.02% |
| PETER J EMMERT3 | 1048 WEST 17TH STREET BLOOMINGTON, IN 47404 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES A BURRESS3 | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES M FLETCHER3 | 254 JOHN STREET AURORA, IN 47001 | AFLAC | $4 | — | $4 | 0.02% |
| MARK A WOJDA3 | 631 GREENDFORD TRAIL WEST CARMEL, IN 46032 | AFLAC | $4 | — | $4 | 0.02% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL DUANE ARNOLD3 | 2147 BUTTONBUSH DRIVE PLAINFIELD, IN 46168 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN T CLANCY3 | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $2 | — | $2 | 0.01% |
| BETTY ANN RICHARDSON3 | 4643 NORTH LAFAYETTE STREET TERRE HAUTE, IN 47805 | AFLAC | $1 | — | $1 | 0.00% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $1 | — | $1 | 0.00% |
| JASON HOFFARD3 | 3415 OFFICE PARK DRIVE SUITE C MARION, IL 62959 | AFLAC | $1 | — | $1 | 0.00% |
| MARTHA MONCKTON3 | 2411 EAST GRANDVIEW AVENUE PEORIA, IL 61614 | AFLAC | $1 | — | $1 | 0.00% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DRIVE JASPER, IN 47546 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER L MITCHEN3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.00% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 91 | $749K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $75K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $75K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $75K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 91 | $749K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.