| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS LLC | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | — | $58K | 13.91% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS LLC | 10585 NORTH MERIDIAN STRET SUITE 275 INDIANAPOLIS, IN 46290 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 2.18% |
| UNITED BENEFIT ADVISORS LLC3 | 20 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.87% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES, INC. | — | $2K | $2K | 1.67% |
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 | 790 | 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) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,515 | $113K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 790 | $415K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 790 | $415K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 790 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.