| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | 250 W. 96TH ST. STE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $16K | — | $16K | 3.33% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF INDIANA | $7K | — | $7K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | DELTA DENTAL OF INDIANA | $4K | — | $4K | 0.91% |
| LHD BENEFIT ADVISORS3 | 250 WEST 96TH ST. STE 300 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $8K | $32K | 12.68% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 5.49% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. DBA TH | 306 W. ERIE ST. FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.95% |
| LHD BENEFIT ADVISORS3 | 250 WEST 96TH ST. STE 300 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $4K | $16K | 12.38% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.67% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W. ERIE ST. FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.93% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN, & DENNIS, LLC | 250 WEST 96TH STREET INDIANAPOLIS, IN 46260 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.59% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.40% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH ST. STE 350 INDIANAPOLIS, IN 46260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 11.88% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96 ST. STE 350 INDIANAPOLIS, IN 46260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 11.46% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.12% |
| LHD BENEFIT ADVISORS3 | 250 WEST 96TH ST. STE 300 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $518 | $3K | 11.33% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.56% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. DBA TH | 306 W. ERIE ST. FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $258 | $258 | 0.94% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 1,189 | $468K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 991 | $74K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 833 | $253K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 833 | $130K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 833 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.