| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES | $7K | $13 | $7K | 0.33% |
| LOCASCIO HADDEN & DENNIS LLC3 | 10585 N. MERIDIAN ST. INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES | $3K | $0 | $3K | 0.13% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46262 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DR. RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.25% |
| LOCASCIO HADDEN & DENNIS LLC | 10585 N. MERIDIAN ST. SUITE 275 INDIANAPOLIS, IN 46290 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 1.83% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES | 140 | $2.1M |
| Dental | DELTA DENTAL OF INDIANA | 347 | $109K |
| Vision | VISION SERVICE PLAN | 183 | $33K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $190K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $190K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 259 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.