| 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 | $777K | — | $777K | 11.15% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR. STE 400 VALHALLA, NY 105951362 | RELIASTAR LIFE INSURANCE COMPANY | — | $263K | $263K | 3.77% |
| MORNEAU SHEPELL LIMITED3 | PO BOX 95000 PHILADELPHIA, PA 19195 | RELIASTAR LIFE INSURANCE COMPANY | — | $48K | $48K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $31K | — | $31K | 0.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | VISION SERVICE PLAN | -$1K | — | -$1K | -0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 N. HASKELL AVENUE, SUITE 2000 DALLAS, TX 75204 | VISION SERVICE PLAN | -$445 | — | -$445 | -0.07% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14K | $26K | $39K | 11.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17K | $3K | $20K | 5.70% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14K | — | $14K | 4.04% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14K | — | $14K | 3.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | ARAG SERVICES, LLC | $13K | — | $13K | 10.00% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $8K | $12K | 10.81% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS | 3390 PEACHTREE RD NE STE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $8K | $12K | 10.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $837 | $6K | 5.56% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.03% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.87% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE, STE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.08% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P O BOX 61187 VIRGINIA BEACH, VA 23462 | ARAG SERVICES, LLC | $8K | — | $8K | 10.00% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $810 | $2K | $2K | 10.95% |
| 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 | $164 | $1K | 5.59% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $846 | — | $846 | 3.96% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $810 | — | $810 | 3.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FWY #500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $305 | $4K | 18.59% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $141 | $48 | $189 | 0.92% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $147 | — | $147 | 0.71% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $141 | — | $141 | 0.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FWY #500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $52 | $6K | 27.63% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $578 | $766 | $1K | 8.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $754 | $51 | $805 | 5.00% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $603 | — | $603 | 3.75% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $578 | — | $578 | 3.59% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $236 | $410 | 8.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $15 | $242 | 5.02% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 3.78% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 3.61% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $149 | $259 | 8.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $10 | $153 | 5.07% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 3.81% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 3.65% |
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 | 5,205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,308 | 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 | 5,572 | $164K |
| Vision(3 contracts) | VISION SERVICE PLAN | 3,905 | $1.4M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 12,599 | $7.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 12,599 | $7.0M |
| Long-term disability(9 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 12,599 | $7.5M |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 12,599 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,599 | — |
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.