| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 462601316 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | $2K | $74K | 3.85% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 462601317 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | $502 | $33K | 11.06% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.90% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET INDIANAPOLIS, IN 46260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $732 | — | $732 | 10.38% |
| DERYCK JAMES MULLADY3 | 1703 FIRST AVENUE #1 CINCINNATI, OH 45205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 4.86% |
| AMY J ARMSTRONG LLC3 Filed as: AMY J. ARMSTRONG LLC | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $52 | $104 | 1.47% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $13 | $75 | 1.06% |
| JULIE M BAYER3 | 5557 TWIN LAKES COURT CINCINNATI, OH 45247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $7 | $19 | 0.27% |
| MATTHEW S. DIETER3 | P.O. BOX 318 SILVER GROVE, KY 41085 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| PARRISH J PEACHEE3 Filed as: PARRISH J. PEACHEE | 201 WEST 103RD STREET INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.09% |
| JANE MARIE DOMBART3 | 6900 RUSHWOOD COURT CINCINNATI, OH 45241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 503 | $297K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 468 | $26K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 503 | $297K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 503 | $297K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 503 | $297K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 503 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.