| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | SYMETRA LIFE INSURANCE COMPANY | $18K | $10K | $27K | 15.46% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $17K | $0 | $17K | 10.05% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.30% |
| LISA R SAILOR3 Filed as: LISA R. SAILOR | 11883 STONEY BAY CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $651 | $0 | $651 | 3.04% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $544 | $0 | $544 | 2.54% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | $0 | $337 | 1.57% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | $0 | $279 | 1.30% |
| MJ INSURANCE3 Filed as: ALEC M. MANDICH AND VARIOUS AGENTS | 8777 PURDUE ROAD INDIANAPOLIS, IN 46268 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.35% |
| JOHN O MONTGOMERY3 Filed as: JOHN O. MONTGOMERY | 10363 NORTH CO ROAD 950 EAST BROWNSBURG, IN 46112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.27% |
| ROBERT FELIX3 Filed as: ROBERT S. FELIX | 6650 WILMOT LANE AVON, IN 46123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.23% |
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 | 293 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 452 | $165K |
| Vision | VISION SERVICE PLAN | 221 | $35K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 339 | $176K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 339 | $176K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 339 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.