| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 10585 N. MERIDIAN ST. SUITE 275 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES | $14K | $0 | $14K | 0.47% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46262 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.56% |
| LOCASCIO HADDEN & DENNIS LLC3 | 10585 N. MERIDIAN ST. INDIANAPOLIS, IN 46290 | DELTA DENTAL OF INDIANA | $2K | $649 | $3K | 2.37% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $196 | $0 | $196 | 0.16% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES | 191 | $3.1M |
| Dental | DELTA DENTAL OF INDIANA | 364 | $123K |
| Vision | VISION SERVICE PLAN | 171 | $31K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $188K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $188K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.