| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASIO HADDEN & DENNIS LLC3 Filed as: LOCASIO HADDEN AND DENNIS, LLC | 10585 NORTH MERIDIAN STREET SUITE 275 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES, INC. | $23K | $0 | $23K | 12.59% |
| LOCASIO HADDEN & DENNIS LLC3 Filed as: LOCASIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $5K | $0 | $5K | 9.20% |
| LHD BENEFIT ADVISORS3 | 250 WEST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| LOCASIO HADDEN & DENNIS LLC3 Filed as: LOCASIO HADDEN AND DENNIS, LLC | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 17.50% |
| THREEFLOW3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $219 | $0 | $219 | 2.19% |
| THREEFLOW3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $52 | $0 | $52 | 0.52% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 40 | $179K |
| Dental | DELTA DENTAL OF INDIANA | 159 | $53K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 154 | $189K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $25K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 40 | $179K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.