| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 10585 N. MERIDIAN STREET, STE 275 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES INC. | — | $12K | $12K | 0.13% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES INC. | $55K | — | $55K | 10.00% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | SYMETRA LIFE INSURANCE COMPANY | $57K | $15K | $72K | 17.17% |
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 | 1,077 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES INC. | 2,208 | $9.1M |
| Dental | ANTHEM INSURANCE COMPANIES INC. | 808 | $554K |
| Vision | ANTHEM INSURANCE COMPANIES INC. | 2,208 | $9.1M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,125 | $422K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,125 | $422K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,125 | $422K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,125 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,208 | — |
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.
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.