| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYNTHIA J. TOMKINS3 | 10242 EASTWIND COURT INDIANAPOLIS, IN 46256 | AFLAC | $5K | $0 | $5K | 0.08% |
| RITA J ABRAM3 Filed as: RITA J. ABRAM | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $3K | $0 | $3K | 0.05% |
| MJ INSURANCE3 Filed as: STACY BRICKER AND VARIOUS AGENTS | 9804 STABLE STONE TERRACE FISHERS, IN 46040 | AFLAC | $1K | $0 | $1K | 0.02% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $1K | $0 | $1K | 0.02% |
| ANNETTA RICHARDS3 | 1183 WYNDHAM WAY GREENWOOD, IN 46142 | AFLAC | $632 | $0 | $632 | 0.01% |
| CANDACE Y HILDEBRAN3 Filed as: CANDACE Y. HILDEBRAN | 864 HEATHERWOOD DRIVE GREENWOOD, IN 46143 | AFLAC | $508 | $0 | $508 | 0.01% |
| JOSEPH RAYDONOVAN3 | 3015 PENNSYLVANIA STREET APARTMENT 7 INDIANAPOLIS, IN 46205 | AFLAC | $500 | $0 | $500 | 0.01% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS, LLC | 10585 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES, INC. | $55K | $0 | $55K | 3.46% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS, LLC | 10585 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46290 | ANTHEM LIFE INSURANCE COMPANY | $17K | $0 | $17K | 13.71% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 181 | $1.6M |
| Dental(2 contracts, 2 carriers) | AFLAC | 181 | $8.0M |
| Vision(2 contracts, 2 carriers) | AFLAC | 181 | $8.0M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 166 | $6.5M |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 166 | $6.5M |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 166 | $122K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 181 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 166 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.