| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W 96TH STREET SUITE 350 INDIANAPOLIS, IN 46290 | SYMETRA LIFE INSURANCE COMPANY | — | $20K | $20K | 4.54% |
| ENROLLEASE3 Filed as: FIRST PERSON INC | 8900 KEYSTONE CROSSING STE. 900 INDIANAPOLIS, IN 46240 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $539 | — | $539 | 7.69% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W 96TH ST. SUITE 350 INDIANAPOLIS, IN 46260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $445 | — | $445 | 6.35% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $395 | $395 | 5.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $86 | $86 | 1.23% |
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 | 611 | 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) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 524 | $63K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 611 | $431K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 611 | $431K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 611 | $431K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 611 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.