| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $1K | $27K | 14.56% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.77% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.39% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 25 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $17K | — | $17K | 10.26% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | UNUM INSURANCE COMPANY | $5K | $368 | $6K | 11.89% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 2.78% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $653 | $0 | $653 | 1.39% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 401 PENNSYLVANIA PARKWAY, SUITE 200 INDIANAPOLIS, IN 46280 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $206 | $3K | 9.92% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | STARMOUNT LIFE INSURANCE COMPANY | $824 | — | $824 | 2.77% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $412 | — | $412 | 1.38% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 401 | $163K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 216 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $183K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $183K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $183K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.