| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES, INC. | $22K | $2K | $24K | 1.23% |
| LOCASCIO HADDEN & DENNIS LLC3 | 10585 NORTH MERIDIAN STREET SUITE 275 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES, INC. | $9K | — | $9K | 0.48% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $12K | 6.36% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $6K | — | $6K | 4.74% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $454 | $10K | 17.07% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | VISION SERVICE PLAN | $1K | — | $1K | 9.20% |
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 | 142 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 320 | $1.9M |
| Dental | DELTA DENTAL OF INDIANA | 305 | $125K |
| Vision | VISION SERVICE PLAN | 128 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $250K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $194K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $194K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.