| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 250 W 96TH STREET SUITE 350 INDIANAPOLIS, IN 46260 | ANTHEM INSURANCE COMPANIES, INC. | — | $2K | $2K | 0.08% |
| ICUL SERVICES CORPORATION3 | 5975 CASTLE CREEK PKWY N DRIVE SUITE 200 INDIANAPOLIS, IN 46250 | DELTA DENTAL OF INDIANA | $103K | — | $103K | 6.00% |
| ICUL SERVICES CORPORATION3 Filed as: ICUL SERVICES CORP | 5975 CASTLE CREEK PARKWAY NORTH DR. INDIANAPOLIS, IN 46250 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $82K | $0 | $82K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC | 101 S. GARLAND AVE, STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | — | $18K | $18K | 4.31% |
| LACASCIO HADDEN & DENNIS, LLC3 | 250 W 96TH ST STE 350 INDIANAPOLIS, IN 46260 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $0 | $16K | $16K | 4.00% |
| LACASCIO HADDEN & DENNIS, LLC3 | 250 W 96TH ST STE 350 INDIANAPOLIS, IN 46260 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $5K | $0 | $5K | 1.25% |
| ICUL SERVICES CORPORATION3 | 5975 CASTLE CREEK PARKWAY N DRIVE SUITE 200 INDIANAPOLIS, IN 46250 | VISION SERVICE PLAN | $3K | — | $3K | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 TPA | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue; Other fees Service code 12 | — | $3.2M |
| ICUL SERVICES CORPORATION EIN 35-6065923 PLAN MANAGER | Accounting (including auditing); Copying and duplicating; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 10 | — | $877K |
| LHD BENEFIT ADVISORS EIN 35-2150902 ADVISOR | Account maintenance fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Consulting (general); Direct payment from the plan Service code 15 | — | $405K |
| CVS HEALTH EIN 05-0340626 PHARMACY | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $400K |
| CURALINC, LLN EIN 33-1206383 EAP | Other services; Direct payment from the plan Service code 49 | — | $72K |
| INDIANA CREDIT UNION LEAGUE EIN 35-0408785 ADVOCACY | Direct payment from the plan; Consulting (general) Service code 16 | — | $65K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $30K |
| KENTUCKY CREDIT UNION LEAGUE EIN 61-0391408 ADVOCACY | Consulting (general); Direct payment from the plan Service code 16 | — | $25K |
| BOSE, MCKINNEY, & EVANS, LLP EIN 35-0957980 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $20K |
| BRADY, WARE AND SCHOENFELD EIN 35-1476702 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| RSC INSURANCE BROKERAGE EIN 16-1689464 OTHER | Insurance services; Insurance agents and brokers; Other fees Service code 22 | — | $10K |
| THE HOWARD E NYHART COMPANY, INC EIN 35-0966414 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $6K |
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 | 3,615 | 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) | 3,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 5,175 | $1.7M |
| Vision | VISION SERVICE PLAN | 3,365 | $34K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 3,615 | $2.7M |
| Other(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 3,615 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,175 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.