| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 10585 NORTH MERIDIAN STREET SUITE 275 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES, INC. | $57K | $442 | $58K | 3.23% |
| INDY CHAMBER LLC3 Filed as: INDY CHAMBER, LLC | 111 MONUMENT CIRCLE, SUITE 1950 INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $998 | $0 | $998 | 0.06% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 CARMEL, IN 46280 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.41% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.82% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.44% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 248 | $1.8M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 248 | $1.8M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 248 | $1.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $101K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $101K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $101K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 248 | $1.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.