| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | ANTHEM INSURANCE COMPANIES, INC. | $87K | — | $87K | 4.41% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION, STE 700 DENVER, CO 80237 | ANTHEM INSURANCE COMPANIES, INC. | — | $559 | $559 | 0.03% |
| SUSAN MARIE BARD3 | 7219 DERSTAN ROAD INDIANAPOLIS, IN 46250 | AFLAC | $4K | $395 | $4K | 8.51% |
| ROGER HUGH JONES3 | 2158 CUMBERLAND PKWY SE APT 12206 ATLANTA, GA 30339 | AFLAC | $2K | — | $2K | 3.17% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $683 | $97 | $780 | 1.50% |
| MICHAEL DUANE ARNOLD3 | 2147 BUTTONBUSH DR PLAINFIELD, IN 46168 | AFLAC | $387 | — | $387 | 0.74% |
| MICHAEL ROBERT YURCZYK3 | 5810 W 78TH ST. SUITE 210 EDINA, MN 55439 | AFLAC | $376 | — | $376 | 0.72% |
| MICHAEL ROBERT YURCZYK3 | 9616 WYOMING TER S BLOOMINGTON, MN 55438 | AFLAC | $295 | — | $295 | 0.57% |
| DANIEL L EALY3 | 4955 KERRINGTON BLVD BARGERSVILLE, IN 46106 | AFLAC | $235 | $58 | $293 | 0.56% |
| COURTNEY RYAN YURCZYK3 | 9616 WYOMING TER S MINNEAPOLIS, MN 55438 | AFLAC | $274 | — | $274 | 0.53% |
| LYDIA C CLARK3 | 11882 PINE MEADOW CIR FISHERS, IN 46037 | AFLAC | $263 | — | $263 | 0.51% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $186 | — | $186 | 0.36% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHERS, IN 46038 | AFLAC | $164 | $2 | $166 | 0.32% |
| JOSE CERRATO3 | 329 FOXFIRE DR SW SMYRNA, GA 30082 | AFLAC | $107 | — | $107 | 0.21% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $104 | — | $104 | 0.20% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $30 | — | $30 | 0.06% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $28 | — | $28 | 0.05% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $27 | — | $27 | 0.05% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $24 | — | $24 | 0.05% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $23 | — | $23 | 0.04% |
| MARK A WOJDA3 | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $23 | — | $23 | 0.04% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $19 | — | $19 | 0.04% |
| JON J SCHAEFER3 | 603 E WASHINGTON ST STE 100 INDIANAPOLIS, IN 46204 | AFLAC | $16 | — | $16 | 0.03% |
| SILAS J SMITH3 | 4323 CREST DR LAFAYETTE, IN 47905 | AFLAC | $10 | — | $10 | 0.02% |
| JASON A NAVILLE3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $9 | — | $9 | 0.02% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $4 | — | $4 | 0.01% |
| KATIE J FLETCHER3 | 21263 STATE HIGHWAY 148 MARYVILLE, MO 64468 | AFLAC | $4 | — | $4 | 0.01% |
| JON J SCHAEFER3 | 4900 WINSTON DR INDIANAPOLIS, IN 46226 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M FLETCHER3 | 254 JOHN ST AURORA, IN 47001 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER L MITCHEN3 | 9247 N MERIDIAN ST STE 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 | $4K | — | $4K | 8.57% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.68% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.51% |
| CRYSTAL & COMPANY3 | FINANCIAL SQUARE 32 OLD SLIP NEW YORK, NY 10005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $373 | — | $373 | 8.53% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 418 | $2.0M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 188 | $133K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 418 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $29K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 418 | $2.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 213 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.