| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $270K | — | $270K | 5.50% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVENUE FL 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $241K | $241K | 4.92% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | — | $35K | $35K | 0.72% |
| RINGMASTER INSURANCE AGENCY LLC3 Filed as: RINGMASTER INSURANCE AGENCY | 5200 TOWN CENTER CIR SUITE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | — | $921 | $921 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, INC. | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $38K | $38K | 1.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLC. | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $27K | $27K | 1.25% |
| GREG I HINRICHS3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $18K | $25K | 15.90% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 5.02% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.09% |
| IVAN C HINRICHS3 | 11111 CARMEL COMMONS BLVD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON, US LLC | P.O. BOX 28852 NEW YORK, NY 10087 | ANTHEM INSURANCE COMPANIES, INC. | $63K | $60K | $123K | 81.80% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $16K | — | $16K | 13.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $10K | — | $10K | 20.00% |
| GREG I HINRICHS3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $565 | $1K | $2K | 12.20% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $692 | — | $692 | 4.69% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $565 | — | $565 | 3.83% |
| GREG I HINRICHS3 | 11525 N. COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $435 | $943 | $1K | 11.39% |
| DANIEL WARD RICHARDSON3 | 11525 N COMMUNITY HOUSE RD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $534 | — | $534 | 4.42% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE RD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $435 | — | $435 | 3.60% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY | 202 S. MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.39% |
| GREG I HINRICHS3 | 11525 N COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $350 | $576 | $926 | 14.66% |
| DANIEL WARD RICHARDSON3 | 111525 N COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $429 | — | $429 | 6.79% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $350 | — | $350 | 5.54% |
| WORKPLACE SOLUTIONS, INC.3 | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $246 | — | $246 | 7.37% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S. MICHIGAN ST SUITE 1400 SOUTH BEND, MI 46601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 1.14% |
| DAVID BEAU BOUDREAUX3 Filed as: DAVID BEAU BOUREAUX | 120 GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.75% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC. | 120 A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.70% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN AVE SUITE 1400 SOUTH BEND, MI 46601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.57% |
| BEAU DAVID BOUDREAUX3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.19% |
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 | 7,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $3K |
| Vision | VISION SERVICE PLAN | 5,595 | $948K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,468 | $2.8M |
| Long-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,546 | $2.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 6,415 | $4.9M |
| Other(6 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,468 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,546 | — |
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.