| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | 250 W 96TH STREET STE 350 INDIANAPOLIS, IN 46260 | VISION SERVICE PLAN | — | $46K | $46K | 13.50% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDDEN & DENNIS, LLC | 250 W 96TH STREET STE 350 INDIANAPOLIS, IN 46260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $482 | $482 | 2.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 CLAIM ADMINISTRATION | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $1.8M |
| OUR HEALTH LLC EIN 26-4259346 INDEPENDENT 3RD PARTY | Direct payment from the plan Service code 50 | — | $1.7M |
| EXPRESS SCRIPTS EIN 43-1420563 CLAIMS ADMINISTRATION | Contract Administrator; Claims processing; Participant communication Service code 12 | — | $133K |
| WAGEWORKS EIN 94-3551864 CLAIM ADMINISTRATION | Named fiduciary; Direct payment from the plan; Contract Administrator; Participant communication; Other services; Claims processing 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 | 3,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 3,547 | $1.4M |
| Vision | VISION SERVICE PLAN | 3,438 | $344K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,280 | $826K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 66 | $20K |
| Long-term disability | RELIANCE STANDARD LIFEINSURANCE COMPANY | 3,280 | $300K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES | 2,591 | $1.6M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,280 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,547 | — |
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."
No prospect flags tripped on this filing.