| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $3.4M | $0 | $3.4M | 98.81% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $159K | $0 | $159K | 4.67% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $78K | $78K | 2.30% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $13K | $18K | 10.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | $4K | $13K | 7.46% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $0 | $6K | 3.21% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $0 | $5K | 3.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | ARAG SERVICES, LLC | $11K | $0 | $11K | 10.00% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 12.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 6.53% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.78% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.62% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE, SUITE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| KENNETH C YARBROUGH3 Filed as: KENNETH C. YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 375 NORTHRIDGE ROAD, SUITE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP. GROUP NE, INC. | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $167 | $167 | 5.28% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP. GROUP SE, INC. | 40 WALL STREET, SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 3.95% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE, SUITE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 1.07% |
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 | 2,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 92 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 8 | $164K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 7,670 | $3.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 7,670 | $3.4M |
| Long-term disability(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,670 | $3.7M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 8 | $164K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,670 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,670 | — |
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.