| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 1001 LAKESIDE AVENUE SUITE 1500 CLEVELAND, OH 44114 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $7K | $7K | 0.07% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $13K | $13K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 1800 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | -$1K | — | -$1K | -0.35% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 2000 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | -$651 | — | -$651 | -0.39% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 08037 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 8.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 2000 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.55% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| GREG I HINRICHS3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4K | $6K | 11.05% |
| DANIEL WARD RICHARDSON3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.14% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| UNIVOPS INSURANCE SERVICE3 Filed as: UNIVOPS INSURANCE SERVICES LLC | 1875 S GRANT ST STE 960 SAN MATEO, CA 94402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $841 | — | $841 | 1.46% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 1800 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | -$153 | — | -$153 | -0.31% |
| GREG I HINRICHS3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $953 | $1K | $2K | 15.73% |
| DANIEL WARD RICHARDSON3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $984 | — | $984 | 7.01% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $953 | — | $953 | 6.79% |
| UNIVOPS INSURANCE SERVICE3 Filed as: UNIVOPS INSURANCE SERVICES LLC | 1875 S GRANT ST STE 960 SAN MATEO, CA 94402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.86% |
| GREG I HINRICHS3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $48 | $137 | 10.03% |
| DANIEL WARD RICHARDSON3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 6.73% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 6.52% |
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 | 1,133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,259 | $10.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,638 | $666K |
| Vision | VISION SERVICE PLAN | 492 | $65K |
| Life insurance | STANDARD INSURANCE COMPANY | 694 | $319K |
| Short-term disability | STANDARD INSURANCE COMPANY | 439 | $50K |
| Long-term disability(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 694 | $239K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 694 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,638 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.