| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | SYMETRA LIFE INSURANCE COMPANY | $16K | $6K | $22K | 13.75% |
| LISA R SAILOR3 Filed as: LISA R. SAILOR | 11883 STONEY BAY CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.08% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 13033 SOUTH HAMPTON COURT CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.66% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | — | $768 | 1.90% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 9620 COPLEY DRIVE INDIANAPOLIS, IN 46290 | CONTINENTAL AMERICAN INSURANCE COMPANY | $625 | — | $625 | 1.55% |
| ROBERT FELIX3 Filed as: ROBERT S. FELIX | 6650 WILMOT LANE AVON, IN 46123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 0.56% |
| KEVIN F WARD3 Filed as: KEVIN F. WARD | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| MATTHEW A COOK3 Filed as: MATTHEW A. COOK | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 462601317 | VISION SERVICE PLAN | $1K | — | $1K | 4.66% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 264 | $30K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 366 | $163K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 366 | $163K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 366 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.