| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $788K | $0 | $788K | 11.56% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $321K | — | $321K | 4.71% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $36K | $36K | 0.53% |
| MORNEAU SHEPELL LIMITED3 | PO BOX 95000 PHILADELPHIA, PA 19195 | RELIASTAR LIFE INSURANCE COMPANY | — | $33K | $33K | 0.48% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 1111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14K | $26K | $40K | 11.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $20K | $2K | $22K | 6.24% |
| DANIEL WARD RICHARDSON3 | 1111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $15K | $0 | $15K | 4.13% |
| JAMES WILLIAM DEUINK3 | 1111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14K | $0 | $14K | 3.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | ARAG SERVICES, LLC | $13K | $0 | $13K | 6.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC.. | PO BOX 61187 VIRGINIA BEACH, VA 23462 | ARAG SERVICES, LLC | $7K | $0 | $7K | 3.47% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 1111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $12K | $17K | 11.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $2K | $11K | 7.91% |
| DANIEL WARD RICHARDSON3 | 1111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.89% |
| JAMES WILLIAM DEUINK3 | 1111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.73% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE, SUITE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.05% |
| KENNETH C YARBROUGH3 Filed as: KENNETH C. YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $10 | $54 | 0.04% |
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 | 5,145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 294 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO, INC. | 16 | $148K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 13,598 | $6.8M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 13,598 | $6.8M |
| Long-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 13,598 | $7.3M |
| Prescription drug(2 contracts, 2 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO, INC. | 16 | $148K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 13,598 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,598 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.