| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29848 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29848 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $825 | $825 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90 | $90 | 0.01% |
| HINRICHS, GREG, I3 | 11111 CARMEL COMMONS BLVD. SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $5K | $9K | 12.91% |
| UNIVOPS INSURANCE SERVICE3 Filed as: UNIVOPS INSURANCE SERVICES LLC | 1875 S. GRANT ST. SUITE 960 SAN MATEO, CA 94402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $349 | $5K | 7.06% |
| RICHARDSON, DANIEL, WARD3 | 11111 CARMEL COMMONS BLVD. SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.18% |
| DEUINK, JAMES, WILLIAM3 | 11111 CARMEL COMMONS BLVD. SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| HINRICHS, GREG, I3 | 11111 CARMEL COMMONS BLVD. SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 14.34% |
| UNIVOPS INSURANCE SERVICE3 Filed as: UNIVOPS INSURANCE SERVICES, LLC | 1875 S. GRANT ST. SUITE 960 SAN MATEO, CA 94402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $119 | $2K | 7.10% |
| RICHARDSON, DANIEL, WARD3 | 11111 CARMEL COMMONS BLVD. SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.23% |
| DEUINK, JAMES, WILLIAM3 | 11111 CARMEL COMMONS BLVD. SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 1,332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,156 | $8.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,332 | $787K |
| Vision | VISION SERVICE PLAN | 348 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,332 | $787K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,332 | $787K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,332 | $875K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,332 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,332 | — |
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 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.