| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY - MCKINNEY | $66K | — | $66K | 11.76% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PKWY INDIANAPOLIS, IN 46280 | UNITED AMERICAN INSURANCE COMPANY - MCKINNEY | $33K | — | $33K | 5.88% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $45K | — | $45K | 10.24% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN&DENNIS, LLC | 401 PENNSYLVANIA PKWY INDIANAPOLIS, IN 46280 | EXPRESS SCRIPTS, INC. | $9K | — | $9K | 2.07% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS LLC DBA | 401 PENNSYLVANIA PKWY STE 200 INDIANAPOLIS, IN 46280 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 11.33% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $615 | — | $615 | 0.47% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | JEFF HADDEN 250 W. 96TH ST. SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $4K | — | $4K | 4.53% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS LLC DBA LH | 250 W 96TH ST SUITE 350 INDIANAPOLIS, IN 46260 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS GROUP INC. TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 4725 PIEDMONT ROW DRIVE SUITE 600 CHARLOTTE, NC 28210 | $153K |
| THE HOWARD E. NYHART CO, INC. ACTUARY/ RECORDKEEPING | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial Service code 11 | 8415 ALLISON POINTE SUITE 300 INDIANAPOLIS, IN 46250 | $27K |
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 | 9 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 237 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY - MCKINNEY | 302 | $997K |
| Dental(2 contracts) | DELTA DENTAL OF INDIANA | 301 | $82K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,120 | $67K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 748 | $132K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 748 | $132K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 748 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,120 | — |
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.