| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS | 10585 N MERIDIAN ST., SUITE 275 INDIANAPOLIS, IN 46290 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $20K | $20K | 1.96% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 1.77% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | VISION SERVICE PLAN | — | $46K | $46K | 13.50% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $291 | $291 | 2.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OUR CLINIC @ CNO WELLNESS PROGRAM EIN 26-4259346 INDEPENDENT 3RD PARTY | Direct payment from the plan Service code 50 | — | $1.7M |
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 CLAIM ADMINISTRATION | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.7M |
| EXPRESS SCRIPTS EIN 43-1420563 CLAIMS ADMINISTRATION | Claims processing; Participant communication; Contract Administrator Service code 12 | — | $132K |
| WAGEWORKS EIN 94-3551864 CLAIM ADMINISTRATION | Participant communication; Other services; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $5K |
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 | 3,267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 3,548 | $1.5M |
| Vision | VISION SERVICE PLAN | 3,307 | $343K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,268 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,268 | $543K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES | 2,624 | $1.5M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,434 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,548 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.