| 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 | $837K | — | $837K | 11.28% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR. STE 400 VALHALLA, NY 105951362 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $320K | $320K | 4.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 75204 | VISION SERVICE PLAN | $13K | — | $13K | 1.50% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | $16K | $28K | 9.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $3K | $19K | 6.33% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | — | $13K | 4.37% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | — | $12K | 4.19% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | -$5 | — | -$5 | -0.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | -$7 | — | -$7 | -0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P O BOX 61187 VIRGINIA BEACH, VA 23462 | ARAG SERVICES, LLC | $21K | — | $21K | 10.00% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $6K | $10K | 10.17% |
| 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 | $885 | $6K | 6.41% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.44% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.26% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $14 | $128 | 0.14% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FWY #500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $1K | $7K | 37.29% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $682 | $238 | $920 | 5.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $890 | — | $890 | 4.89% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $712 | — | $712 | 3.91% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $682 | — | $682 | 3.74% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $701 | $649 | $1K | 7.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $914 | $115 | $1K | 5.91% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $731 | — | $731 | 4.20% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $701 | — | $701 | 4.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FWY #500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 14.70% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $76 | $292 | 5.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 4.94% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 3.95% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 3.79% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $58 | $225 | 5.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 5.11% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 4.08% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 3.92% |
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 | 6,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,268 | 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 | 400 | $131K |
| Vision | VISION SERVICE PLAN | 4,568 | $865K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,210 | $7.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,210 | $7.4M |
| Long-term disability(9 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,210 | $7.9M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,210 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,210 | — |
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.