| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 15.79% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $367 | $8K | 15.84% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 462601317 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.82% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $427 | $22 | $449 | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING II SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $139 | $139 | 1.23% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $37 | $488 | 6.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $132 | $132 | 1.87% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 284 | $39K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $196K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $148K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.