| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $3K | $23K | 2.33% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 1.99% |
| CYNTHIA J. TOMKINS3 Filed as: CYNTHIA J. TOMPKINS | 10242 EASTWIND COURT INDIANAPOLIS, IN 46256 | AFLAC | $13K | $0 | $13K | 9.19% |
| RITA J ABRAM3 Filed as: RITA J. ABRAM | 11500 GOLDNE WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $6K | $0 | $6K | 4.06% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $3K | $0 | $3K | 2.20% |
| JENNIFER LEE WILLS3 | 8810 WEST LONE BEECH DRIVE MUNCIE, IN 47304 | AFLAC | $2K | $25 | $2K | 1.58% |
| MJ INSURANCE3 Filed as: STACEY BRICKER AND VARIOUS AGENTS | 9804 STABLE STONE TERRACE FISHERS, IN 46040 | AFLAC | $2K | $0 | $2K | 1.54% |
| ANNETTA RICHARDS3 | 1183 WYNDHAM WAY GREENWOOD, IN 46142 | AFLAC | $1K | — | $1K | 0.73% |
| TARA E. FILIP3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $1K | $0 | $1K | 0.72% |
| ASSUREDPARTNERS3 | 9247 NORTH MERIDIAN STREET SUITE 200 INDIANAPOLIS, IN 46260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 7.49% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $353 | $5K | 6.99% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.75% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.99% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1000K |
| Dental(2 contracts, 2 carriers) | AFLAC | 163 | $215K |
| Vision(2 contracts, 2 carriers) | AFLAC | 163 | $215K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 163 | $215K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 121 | $185K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $39K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1000K |
| Other(2 contracts, 2 carriers) | AFLAC | 163 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.