| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $98K | $98K | 3.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DE INC. | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 1.25% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $23K | $30K | 18.28% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $248 | $8K | 5.10% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 3.98% |
| IVAN C HINRICHS3 | 6000 FAIRVIEW RD STE 400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $222 | $380 | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $12K | — | $12K | 20.00% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2 | $6K | 17.37% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 400 P.O. BOX 11177 SOUTH BEND, IN 46634 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $797 | — | $797 | 2.45% |
| DAVID BEAU BOUDREAUX3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BLDG 2, SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $9 | $9 | 0.03% |
| WORKPLACE SOLUTIONS, INC.3 | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $64 | $4K | 13.74% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET SUITE 400 SOUTH BEND, IN 46634 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $833 | $27 | $860 | 2.66% |
| DAVID BEAU BOUDREAUX3 Filed as: DAVID BEAU BOUREAUX | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $422 | — | $422 | 1.31% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $7K | $27K | 98.90% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 400 P.O. BOX 11177 SOUTH BEND, IN 46634 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 28.07% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 27.27% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 22.25% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $835 | $3K | $3K | 19.48% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $5 | $1K | 5.86% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $835 | — | $835 | 4.76% |
| IVAN C HINRICHS3 | 6000 FAIRVIEW ROAD SUITE 400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4 | $4 | 0.02% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $687 | $2K | $3K | 25.46% |
| DANIEL WARD RICHARDSON2 | 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $842 | — | $842 | 8.28% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $687 | — | $687 | 6.76% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 400 P.O. BOX 11177 SOUTH BEND, IN 46634 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $553 | — | $553 | 5.44% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $56 | $496 | $552 | 73.60% |
| DANIEL WARD RICHARDSON3 | 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $68 | — | $68 | 9.07% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $56 | — | $56 | 7.47% |
| CHARLES PELUSO3 Filed as: CHARLES B PELUSO | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | — | $10 | 7.63% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 300 P.O. BOX 11177 SOUTH BEND, IN 46634 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | — | $1 | 0.76% |
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 | 8,251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $32K |
| Vision | VISION SERVICE PLAN | 6,086 | $991K |
| Life insurance(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 8,531 | $4.6M |
| Long-term disability(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,531 | $1.9M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES | 7,160 | $2.1M |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 8,531 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,531 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.