| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 462601317 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | $2K | $39K | 11.49% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.92% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET INDIANAPOLIS, IN 46260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $610 | — | $610 | 10.25% |
| DERYCK JAMES MULLADY3 | 1703 FIRST AVENUE CINCINNATI, OH 45205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 3.19% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.44% |
| AMY J ARMSTRONG LLC3 Filed as: AMY J. ARMSTRONG LLC | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.29% |
| JULIE M BAYER3 | 5557 TWIN LAKES COURT CINCINNATI, OH 45247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN AND DENNIS LLC | 250 WEST 96TH STREET INDIANAPOLIS, IN 46260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 10.24% |
| DERYCK JAMES MULLADY3 | 1703 FIRST AVENUE CINCINNATI, OH 45205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 2.98% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.31% |
| AMY J ARMSTRONG LLC3 | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.23% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 535 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $342K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 514 | $29K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $342K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $342K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $342K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.