| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11611 NORTH MERIDIAN STREET CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 14.32% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH ST FL 6 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $488 | — | $488 | 0.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.66% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $467 | — | $467 | 0.72% |
| MICHAEL C CARTER3 Filed as: MICHAEL C. CARTER | 1313 LAKE MEADOW DRIVE INDIANAPOLIS, IN 46217 | AFLAC | $4K | $107 | $4K | 6.20% |
| USI INSURANCE SERVICES LLC3 | 9910 DUPONT CIRCLE DRIVE EAST SUITE 120 FORT WAYNE, IN 46825 | AFLAC | $3K | — | $3K | 5.74% |
| RITA J ABRAM3 Filed as: RITA J. ABRAM | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $2K | $22 | $2K | 2.73% |
| CANDACE Y HILDEBRAN3 Filed as: CANDACE Y. HILDEBRAN | 1084 KNOLL CT GREENWOOD, IN 46143 | AFLAC | $608 | $22 | $630 | 1.04% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 3670 W 141ST ST CARMEL, IN 46074 | AFLAC | $590 | — | $590 | 0.97% |
| ERIC DEANE3 | 11439 N KITCHEN RD MOORESVILLE, IN 46158 | AFLAC | $363 | — | $363 | 0.60% |
| PHYLLIS A BEX3 Filed as: PHYLLIS A. BEX | 118 STONEYBROOK DRIVE GREENWOOD, IN 46142 | AFLAC | $169 | — | $169 | 0.28% |
| GERARD J. GRABLE3 | 30 VALLEY BLUFF LANE SIMPSONVILLE, SC 29680 | AFLAC | $135 | — | $135 | 0.22% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $105 | — | $105 | 0.17% |
| KATTE L HANNER3 | 6378 DEERSTAND RD GREENWOOD, IN 43143 | AFLAC | $94 | — | $94 | 0.15% |
| MICHAEL K HALL3 | 408 JACKSON ST ROCKVILLE, IN 47872 | AFLAC | $54 | — | $54 | 0.09% |
| PATRICIA E BRIDGE3 | 71 S 2ND ST SCOTTSBURG, IN 47170 | AFLAC | $40 | — | $40 | 0.07% |
| BENJAMIN F MORRIS3 | 6635 NORTH COUNTY ROAD 500 EAST NORTH VERNON, IN 47265 | AFLAC | $39 | — | $39 | 0.06% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $35 | — | $35 | 0.06% |
| PAMELA A BRIGHT3 | 5132 COBHAM WAY INDIANAPOLIS, IN 46237 | AFLAC | $27 | — | $27 | 0.04% |
| RANDAL R YURCZYK3 | 6858 E 525 S WHITESTOWN, IN 46075 | AFLAC | $27 | — | $27 | 0.04% |
| ANNETTA RICHARDS3 | 1183 WYNDHAM WAY GREENWOOD, IN 46142 | AFLAC | $26 | — | $26 | 0.04% |
| DAWN A NEWBY3 | 3672 N MARRS RD SALEM, IN 47167 | AFLAC | $26 | — | $26 | 0.04% |
| JOHN O MONTGOMERY3 | 10363 N COUNTY ROAD 950 E BROWNSBURG, IN 46112 | AFLAC | $25 | — | $25 | 0.04% |
| SEAN M BANNON3 | 12022 GREBE CIR INDIANAPOLIS, IN 46229 | AFLAC | $24 | — | $24 | 0.04% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $24 | — | $24 | 0.04% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $22 | — | $22 | 0.04% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $21 | — | $21 | 0.03% |
| BRADLEY E HAYES3 | PO BOX 547 NEW CASTLE, IN 47362 | AFLAC | $19 | — | $19 | 0.03% |
| BARBARA R CHURCHILL3 | 8842 W 525 N BOGGSTOWN, IN 46110 | AFLAC | $16 | — | $16 | 0.03% |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $16 | — | $16 | 0.03% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $15 | — | $15 | 0.02% |
| DANIEL V ADAMS3 | 79 POTOMAC AVE SE APT 937 WASHINGTON, DC 20003 | AFLAC | $15 | — | $15 | 0.02% |
| DEBRA R OBERLIES3 | 2040 S PINE HILL RD LEXINGTON, IN 47138 | AFLAC | $15 | — | $15 | 0.02% |
| PETER J EMMERT3 | 5904 OAKFORGE LN INDIANAPOLIS, IN 46254 | AFLAC | $13 | — | $13 | 0.02% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $9 | — | $9 | 0.01% |
| JASON A NAVILLE3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $8 | — | $8 | 0.01% |
| JUSTIN M GUIDI3 | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | AFLAC | $8 | — | $8 | 0.01% |
| HARROLD/HUGHES INSURANCE3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $6 | — | $6 | 0.01% |
| MARK A WOJDA3 | 16258 DOGWOOD LN PLYMOUTH, IN 46563 | AFLAC | $6 | — | $6 | 0.01% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $4 | — | $4 | 0.01% |
| PARRISH J PEACHEE3 | 6152 PUNKINVINE RD LEBANON, IN 46052 | AFLAC | $4 | — | $4 | 0.01% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $4 | — | $4 | 0.01% |
| KEITH MAURICE CASTILLO3 | 15813 N 110TH AVE SUN CITY, AZ 85351 | AFLAC | $3 | — | $3 | 0.00% |
| CAROLYN S RICHARDS3 | 537 WEYWORTH PL GREENWOOD, IN 46142 | AFLAC | $1 | — | $1 | 0.00% |
| CHRIS A GEHLHAUSEN3 | 873 3RD AVE JASPER, IN 47546 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER L MITCHEN3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.95% |
| USI INSURANCE SERVICES LLC3 | 11611 N MERIDIAN ST CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.43% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH ST FL 6 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $504 | — | $504 | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI OF INDIANAPOLIS | 11611 N MERIDIAN STREET SUITE 203 CARMEL, IN 46032 | FIRST STOP HEALTH, LLC | $6K | — | $6K | 18.31% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE OF DETROIT | 2025 WOODWARD AVE DETROIT, MI 48226 | FIRST STOP HEALTH, LLC | $2K | — | $2K | 5.00% |
| JOHN W DRAY3 Filed as: JOHN W. DRAY | 2155 GLENHURST DRIVE SNELLVILLE, GA 30078 | AFLAC | $3K | $570 | $4K | 14.16% |
| USI INSURANCE SERVICES LLC3 | 9910 DUPONT CIRCLE DR E STE 120 FORT WAYNE, IN 46825 | AFLAC | $2K | — | $2K | 7.16% |
| KIMBERLY A CARL3 Filed as: KIMBERLY A. CARL | 111 TARTAN DRIVE GREENSBURG, PA 15601 | AFLAC | $593 | $7 | $600 | 2.36% |
| ANCILLARY BENEFITS CONSULTING LLC3 Filed as: ANCILLARY BENEFITS CONSULTING, LLC | 125 TECHNOLOGY DRIVE, SUITE 201 CANONSBURG, PA 15317 | AFLAC | $363 | $7 | $370 | 1.45% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST FL 24 CINCINNATI, OH 45202 | AFLAC | $178 | — | $178 | 0.70% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW ROAD UNIONTOWN, PA 15401 | AFLAC | $83 | — | $83 | 0.33% |
| MICHAEL A. BITTEL3 Filed as: MICHAEL ANTHONY BITTEL | 129 MARION DRIVE CANONSBURG, PA 15317 | AFLAC | $69 | — | $69 | 0.27% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE ROAD SEWICKLEY, PA 15143 | AFLAC | $32 | — | $32 | 0.13% |
| SUSAN L. NELSON3 | 821 LOIS DRIVE NEW KENSINGTON, PA 15068 | AFLAC | $28 | — | $28 | 0.11% |
| ANDREA STEARNS3 | PO BOX 323 BETHEL PARK, PA 15102 | AFLAC | $21 | — | $21 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVC INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $21 | — | $21 | 0.08% |
| LANCE J GURGANUS3 | 5958 MONONGAHELA AVE BETHEL PARK, PA 15102 | AFLAC | $16 | — | $16 | 0.06% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M BERGSTEIN | 12260 STATE ROUTE 30 N HUNTINGDON, PA 15642 | AFLAC | $7 | — | $7 | 0.03% |
| TYE ELLIOTT3 | 2315 W PINNACLE DR DUNLAP, IL 61525 | AFLAC | $7 | — | $7 | 0.03% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $5 | — | $5 | 0.02% |
| DANIEL E TORRES3 | 301 JAMESON CT SEVEN FIELDS, PA 16046 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN P FRICK3 | 724 HIGH STREET EXT DUNBAR, PA 15431 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIN J QUINLAN3 | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $1 | — | $1 | 0.00% |
| GEORGE DELUCA3 | PO BOX 712 GEORGETOWN, TX 78627 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.90% |
| HEALTHPLAN SERVICES INSURANCE3 | 4110 GEORGE RD TAMPA, FL 33634 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $865 | $865 | 4.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $449 | — | $449 | 3.72% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $85 | — | $85 | 0.70% |
| LAURA LYNN SCHEEREN3 | 114 BAYBERRY DR SARVER, PA 16055 | HIGHMARK INC. | $315 | — | $315 | 3.33% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIRST STOP HEALTH, LLC | 185 | $33K |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $101K |
| Vision(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $22K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 238 | $124K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $19K |
| Other(3 contracts, 2 carriers) | AFLAC | 238 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.