| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN, & DENNIS | 250 W. 96TH ST SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $0 | $1K | $1K | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 N/A | Claims processing Service code 12 | — | $307K |
| OPTUMRX, INC. EIN 33-0441200 N/A | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $54K |
| ADP EIN 22-1467904 N/A | Other services; Direct payment from the plan Service code 49 | — | $12K |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 472 | $416K |
| Vision | VISION SERVICE PLAN | 381 | $103K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 566 | $565K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 566 | $565K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 566 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.