| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W 96TH ST STE 350 INDIANAPOLIS, IN 462601316 | UNITEDHEALTHCARE INSURANCE COMPANY | $151K | — | $151K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 400 CARMEL, IN 460322867 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 600084050 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.08% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250W 96TH ST STE 350 INDIANAPOLIS, IN 46260 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 11.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 10 W CARMEL AVE, SUITE 260 CARAMEL, IN 46032 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 3.61% |
| SUSAN INGRAM3 | 13409 SMOKEY QUARTZ LN. FISHERS, IN 46308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 3386 CHALICE COURT PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.23% |
| MARIA N VONDIELINGEN3 | 6023 DRAWBRIDGE LN INDIANAPOLIS, IN 46250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.97% |
| MARY K LIPSCOMB3 | 603 E WASHINGTON ST SUITE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $656 | — | $656 | 1.39% |
| JACQUELINE D MORGAN3 | PO BOX 40725 INDIANAPOLIS, IN 46240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 0.49% |
| ROBERT W BURGETT3 | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $224 | — | $224 | 0.47% |
| RITA J ABRAM3 | 13494 FORUM MEADOWS DRIVE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 0.47% |
| BETH A LUKENS3 | 2501 S MADISON AVE INDIANAPOLIS, IN 46225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.47% |
| ASHLEY L SHAW3 | 603 E WASHINGTON ST STE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.23% |
| WHARTON INSURANCE & FINANCIAL SERV3 Filed as: WHARTON INSURANCE FINANCIAL SERVICE | 3091 E 98TH SUITE 150 INDIANAPOLIS, IN 46280 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.15% |
| HOLLY R ASHLEY3 | 7515 DAVIS LN. INDIANAPOLIS, IN 46236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.14% |
| CASSANDRA A MARTIN3 | 603 E WASHINGTON ST INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.13% |
| CAROLYN S RICHARDS3 | 537 WEYWORTH PL GREENWOOD, IN 46142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.11% |
| SEAN BANNON3 | 8006 WEST 650 SOUTH KNIGHTSTOWN, IN 46148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.10% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.06% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| JON J SCHAEFER3 | 603 E WASHINGTON SUITE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BRITANNY L STRATMANN3 | 4485 MARCY LANE APARTMENT 219 INDIANAPOLIS, IN 46205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 624 | $4.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 624 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 624 | $4.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 331 | $203K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 331 | $203K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 331 | $203K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 331 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.