| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $71K | $2K | $72K | 4.31% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | ANTHEM LIFE INSURANCE COMPANY | $18K | $0 | $18K | 15.46% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 30.04% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.69% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.89% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 211 SOUTH 23RD STREET, SUITE 100 PLATTSMOUTH, NE 68048 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $675 | $0 | $675 | 12.20% |
| LHD BENEFIT ADVISORS3 | 250 WEST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $364 | $228 | $592 | 10.70% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 199 | $1.7M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 199 | $1.7M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 199 | $1.7M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 243 | $147K |
| Short-term disability(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 243 | $195K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 243 | $142K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 199 | $1.7M |
| Other(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 243 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.