| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | ANTHEM INSURANCE COMPANIES, INC. | $68K | — | $68K | 4.07% |
| FRANK CRYSTAL & CO INC3 | 32 OLD SLIP NEW YORK, NY 10005 | ANTHEM INSURANCE COMPANIES, INC. | $52K | — | $52K | 3.14% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVE SUITE 825 MILWAUKEE, WI 53202 | ANTHEM INSURANCE COMPANIES, INC. | -$23K | $420 | -$23K | -1.36% |
| SUSAN MARIE BARD3 | 7219 DERSTAN ROAD INDIANAPOLIS, IN 46250 | AFLAC | $7K | $22 | $7K | 11.96% |
| DANIEL L EALY3 Filed as: DANIEL L. EALY | 4955 KERRINGTON BOULEVARD BARGERSVILLE, IN 46106 | AFLAC | $1K | $4 | $1K | 2.10% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $1K | $4 | $1K | 2.00% |
| MICHAEL ROBERT YURCZYK3 | 5810 WEST 78TH STREET, SUITE 210 EDINA, MN 55439 | AFLAC | $791 | — | $791 | 1.35% |
| COURTNEY RYAN YURCZYK3 | 9616 WYOMING TER S MINNEAPOLIS, MN 55438 | AFLAC | $313 | — | $313 | 0.53% |
| LYDIA C CLARK3 Filed as: LYDIA C. CLARK | 11882 PINE MEADOW CIRCLE FISHERS, IN 46037 | AFLAC | $274 | — | $274 | 0.47% |
| ROGER HUGH JONES3 | 2158 CUMBERLAND PKWY SE APT 7208 ATLANTA, GA 30339 | AFLAC | $250 | — | $250 | 0.43% |
| MICHAEL DUANE ARNOLD3 | 2601 FORTUNE CIR E STE 103A INDIANAPOLIS, IN 46241 | AFLAC | $227 | — | $227 | 0.39% |
| MICHAEL DUANE ARNOLD3 | 2147 BUTTONBUSH DR PLAINFIELD, IN 46168 | AFLAC | $220 | — | $220 | 0.38% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $118 | — | $118 | 0.20% |
| ROGER HUGH JONES3 Filed as: ROGER HUGHE JONES | 2158 CUMBERLAND PKWY SE APT 12206 ATLANTA, GA 30339 | AFLAC | $108 | — | $108 | 0.18% |
| NORMAN SMITH3 | 3601 WOODLARK DR NE ROSWELL, GA 30075 | AFLAC | $70 | — | $70 | 0.12% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $44 | — | $44 | 0.08% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $30 | — | $30 | 0.05% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $29 | — | $29 | 0.05% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $28 | — | $28 | 0.05% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $24 | — | $24 | 0.04% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $24 | — | $24 | 0.04% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $20 | — | $20 | 0.03% |
| JON J SCHAEFER3 | 603 E WASHINGTON ST SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $18 | — | $18 | 0.03% |
| SILAS J SMITH3 Filed as: SILAS SMITH | 4323 CREST DRIVE LAFAYETTE, IN 47905 | AFLAC | $11 | — | $11 | 0.02% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $10 | — | $10 | 0.02% |
| JASON A NAVILLE3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $9 | — | $9 | 0.02% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $9 | — | $9 | 0.02% |
| KEVIN F WARD3 Filed as: KEVIN WARD | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $5 | — | $5 | 0.01% |
| KATIE J FLETCHER3 | 21263 STATE HIGHWAY 148 MARYVILLE, MO 64468 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES M FLETCHER3 | 254 JOHN ST AURORA, IN 47001 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER L MITCHEN3 | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.00% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.32% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.32% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.34% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $238 | — | $238 | 8.32% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 527 | $1.7M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 158 | $96K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 527 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $19K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 527 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 192 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.