| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W 96TH STE 350 INDIANAPOLIS, IN 46260 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $275 | $5K | 6.04% |
| LOCASCIO HADDEN & DENNIS LLC3 | 10585 N MERIDIAN ST SUITE 275 INDIANAPOLIS, IN 46260 | VSP | $2K | $186 | $2K | 108.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $265K |
| LOCASIO HADDEN & DENNIS | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 10585 N MERIDIAN ST STE 275 INDIANAPOLIS, IN 46290 | $0 |
| INGENIORX, INC EIN 82-3062245 | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$54K |
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 | 457 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 193 | $2K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $86K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $86K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $86K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC (G2001) | 358 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.