| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 W 96TH ST STE 350 INDIANAPOLIS, IN 46260 | RELIASTAR LIFE INSURANCE COMPANY | $25K | $42K | $66K | 6.29% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 W 96TH STE 350 INDIANAPOLIS, IN 46260 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY EIN 35-0781558 NONE | Other services; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees Service code 12 | 1351 WM. HOWARD TAFT RD. CINCINNATI, OH 45206 | $1.2M |
| OURHEALTH, LLC EIN 27-1353079 NONE | Other services Service code 49 | ONE AMERICAN SQUARE SUITE 2610 INDIANAPOLIS, IN 46282 | $1.1M |
| COMMUNITY HEALTHPLEX SPORTS CLUB EIN 35-2022402 NONE | Other fees Service code 99 | ONE AMERICA TOWER FITNESS CENTER ONE AMERICAN SQUARE, STE 175 INDIANAPOLIS, IN 46282 | $149K |
| CASTLIGHT EIN 26-1989091 NONE | Other services Service code 49 | 121 SPEAR STREET SUITE 300 SAN FRANCISCO, CA 94105 | $64K |
| TOWERS WATSON EIN 53-0181291 NONE | Actuarial Service code 11 | 191 NORTH WACKER DRIVE SUITE 2100 CHICAGO, IL 60606 | $36K |
| BKD, LLP EIN 44-0160260 NONE | Accounting (including auditing) Service code 10 | PO BOX 44998 INDIANAPOLIS, IN 46244 | $19K |
| OGLETREE, DEAKINS, NASH, SMOAK & ST EIN 57-1044820 NONE | Legal Service code 29 | 50 INTERNATIONAL DRIVE SUITE 200 GREENVILLE, SC 29615 | $13K |
| AMERICAN UNITED LIFE INSURANCE EIN 35-0145825 AFFILIATE | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | ONE AMERICAN SQUARE INDIANAPOLIS, IN 46282 | $12K |
| ST. VINCENT HOSPITAL EIN 35-0869066 NONE | Other fees Service code 99 | MOBILE MAMMOGRAPHY PROGRAM 8550 NAAB ROAD, SUITE 300 INDIANAPOLIS, IN 46260 | $10K |
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 | 2,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 204 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 2,071 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,529 | $190K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,769 | $1.0M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,654 | $783K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,654 | $783K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,724 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 783 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,071 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.