| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | PRINCIPAL LIFE INSURANCE COMPANY | $59K | $2K | $61K | 11.46% |
| JULIE M BAYER3 | 5557 TWIN LAKES COURT CINCINNATI, OH 45247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 1.38% |
| ARTHUR LEE SLAYLINE3 | 46 KYLES LANE APARTMENT 1 FORT THOMAS, KY 41075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $13 | $54 | 1.10% |
| LOCASCIO HADDEN & DENNIS LLC3 | 250 WEST 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.59% |
| AMY J ARMSTRONG LLC3 | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.30% |
| DERYCK JAMES MULLADY3 | 4209 FEARMAN AVENUE CINCINNATI, OH 45211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.14% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.12% |
| MACKENZIE LYNN ABEL3 | 104 WINDING WAY COVINGTON, KY 41011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.08% |
| AMY J ARMSTRONG LLC3 | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 1.43% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.48% |
| DERYCK JAMES MULLADY3 | 4209 FEARMAN AVENUE CINCINNATI, OH 45211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.29% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 852 | $530K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 852 | $530K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 852 | $530K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 852 | $530K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 852 | $530K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 852 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.