| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCASCIO HADDEN & DENNIS LLC3 | 401 PENNSYLVANIA PKWY SUITE 200 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $26K | $932 | $27K | 0.54% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $29K | — | $29K | 10.11% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | 250 WEST 96TH STREET, SUITE 350 INDIANAPOLIS, IN 462601317 | VISION SERVICE PLAN | $2K | — | $2K | 4.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESSOLVER EIN 42-1503807 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $123K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
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 | 794 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 747 | $4.9M |
| Dental | DELTA DENTAL OF INDIANA | 692 | $282K |
| Vision | VISION SERVICE PLAN | 271 | $41K |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INS. COMPANY | 820 | $253K |
| Long-term disability | AMERICAN UNITED LIFE INS. COMPANY | 208 | $204K |
| Other | AMERICAN UNITED LIFE INS. COMPANY | 135 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.