| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $52K | — | $52K | 7.54% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN AND DENNIS | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | VISION SERVICE PLAN | $12K | — | $12K | 7.50% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 15.45% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC. | 10 WYNSHIRE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $303 | $303 | 0.29% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 13.23% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS INC. | 10 WYNSHIRE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $228 | $228 | 0.25% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $3K | $5K | 16.80% |
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 | 799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,462 | $693K |
| Vision | VISION SERVICE PLAN | 602 | $156K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $134K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $120K |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,462 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.