| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 CARMEL, IN 46280 | SYMETRA LIFE INSURANCE COMPANY | $20K | $7K | $27K | 18.21% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 CARMEL, IN 46280 | SYMETRA LIFE INSURANCE COMPANY | $9K | $2K | $12K | 24.80% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $804 | — | $804 | 4.07% |
| MJ INSURANCE3 Filed as: ARAM TOULOUKIAN AND VARIOUS AGENTS | 232 SOUTH FURLONG DRIVE LAFAYETTE, IN 47905 | CONTINENTAL AMERICAN INSURANCE COMPANY | $396 | $0 | $396 | 2.00% |
| JULIE ANN RADTKE3 | 4524 EAST FOXMOOR LANE LAFAYETTE, IN 47905 | CONTINENTAL AMERICAN INSURANCE COMPANY | $350 | $0 | $350 | 1.77% |
| JESSICA E. GINGRICH3 Filed as: JESSICA ELAINE GINGRICH | 4216 TREES HILL DRIVE LAFAYETTE, IN 47909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | $0 | $231 | 1.17% |
| JOHN L RADTKE3 Filed as: JOHN L. RADTKE | 4524 EAST FOXMOOR LANE LAFAYETTE, IN 47905 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 1.07% |
| JAIME EILEEN OSBORN3 | 4015 HOMERTON STREET LAFAYETTE, IN 47909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | $0 | $207 | 1.05% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | $0 | $182 | 0.92% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 283 | $150K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 283 | $150K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 283 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.