| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA MEDICARE SUPPLEMENT | $62K | — | $62K | 11.57% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 W. 96TH STREET, SUITE 350 INDIANAPOLIS, IN 462601377 | TRANSAMERICA MEDICARE SUPPLEMENT | $32K | — | $32K | 5.95% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE MEDICARE GENERATION RX (EMPLOYER PDP) | $16K | — | $16K | 4.26% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 W. 96TH STREET, SUITE 350 INDIANAPOLIS, IN 462601377 | STONEBRIDGE LIFE INSURANCE MEDICARE GENERATION RX (EMPLOYER PDP) | $8K | — | $8K | 2.13% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | 250 W 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $3K | — | $3K | 4.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS GROUP INC. TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 4725 PIEDMONT ROW DR. SUITE 600 CHARLOTTE, NC 28210 | $122K |
| THE HOWARD E. NYHART CO, INC. ACTUARY/ RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Actuarial; Recordkeeping fees 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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 238 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA MEDICARE SUPPLEMENT | 269 | $537K |
| Dental | DELTA DENTAL OF INDIANA | 242 | $79K |
| Prescription drug | STONEBRIDGE LIFE INSURANCE MEDICARE GENERATION RX (EMPLOYER PDP) | 269 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.