| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | P O BOX 61187 VIRGINIA BEACH, VA 234661187 | RELIASTAR LIFE INSURANCE COMPANY | $914K | $381K | $1.3M | 15.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 75204 | VISION SERVICE PLAN | $14K | — | $14K | 1.50% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $51K | $67K | 23.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $21K | $19K | $39K | 13.98% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | — | $16K | 5.87% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | — | $16K | 5.63% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $19 | $3 | $22 | 0.01% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P O BOX 61187 VIRGINIA BEACH, VA 23462 | ARAG SERVICES, LLC | $26K | — | $26K | 10.00% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $16K | $21K | 23.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 12.07% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.76% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.53% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $12 | $159 | 0.18% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.11% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $4K | $5K | 24.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 13.36% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.88% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.63% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $4K | $5K | 25.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $2K | $3K | 16.78% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 6.39% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 6.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FWY #500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $658 | $3K | 16.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FWY #500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $2K | $8K | 52.17% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $386 | $1K | $2K | 24.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $406 | $468 | $874 | 13.09% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $403 | — | $403 | 6.03% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $386 | — | $386 | 5.78% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $295 | $952 | $1K | 23.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $315 | $336 | $651 | 12.48% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 5.90% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 5.65% |
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 | 6,716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 135 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO INC | 457 | $133K |
| Vision | VISION SERVICE PLAN | 4,999 | $918K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,733 | $8.2M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,733 | $8.2M |
| Long-term disability(9 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,733 | $8.6M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,733 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,733 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.