| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W. 96TH ST. SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES, INC. G2001 | — | — | $0 | 0.00% |
| LOSASCIA HADDEN & DENNIS LLC3 | 250 W. 96TH ST. SUITE 350 INDIANAPOLIS, IN 462601317 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $1K | $27K | 8.04% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W.96TH ST. SUITE 350 INDIANAPOLIS, IN 46260 | VISION SERVICE PLAN | $2K | $33K | $35K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $328K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 NONE | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $0 |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $341K |
| Vision | VISION SERVICE PLAN | 214 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $341K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $341K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 574 | $341K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. G2001 | 319 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.