| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $32K | $341 | $32K | 2.92% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $5K | $0 | $5K | 11.05% |
| LHD BENEFIT ADVISORS3 | 250 WEST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $756 | $6K | 17.04% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $856 | $0 | $856 | 11.10% |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 114 | $1.1M |
| Dental | DELTA DENTAL OF INDIANA | 130 | $44K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 126 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $37K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 114 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.