| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $42K | — | $42K | 7.47% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 462601317 | VISION SERVICE PLAN | $11K | — | $11K | 7.50% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $827 | $8K | 11.09% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $709 | $7K | 11.16% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $620 | $10K | 16.02% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $590 | $5K | 9.90% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $697 | $5K | 11.08% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $132 | $1K | 10.97% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,345 | $568K |
| Vision | VISION SERVICE PLAN | 560 | $147K |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 450 | $211K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 451 | $96K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 451 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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.