| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC | 10585 N. MERIDIAN ST. SUITE 275 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES | $13K | $611 | $13K | 0.47% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 1.79% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $673 | $10K | 10.75% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.50% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $249 | $4K | 10.75% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $498 | $0 | $498 | 1.50% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $219 | $3K | 10.75% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $438 | $0 | $438 | 1.50% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES | 168 | $2.8M |
| Dental | DELTA DENTAL OF INDIANA | 376 | $113K |
| Vision | VISION SERVICE PLAN | 175 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $90K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.