| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.82% |
| HINRICHS, GREG, I3 | 11525 N COMMUNITY HOUSE RD. SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $9K | $14K | 26.48% |
| UNIVOPS INSURANCE SERVICE3 Filed as: UNIVOPS INSURANCE SERVICES | 1875 S. GRANT ST. SUITE 960 SAN MATEO, CA 944044067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.63% |
| RICHARDSON, DANIEL, WARD3 | 11525 N COMMUNITY HOUSE RD. SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.04% |
| DEUINK, JAMES, WILLIAM3 | 11525 N COMMUNITY HOUSE RD. SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5 TRIAD CENTER SUITE 525 SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $331 | — | $331 | 0.81% |
| HINRICHS, GREG, I3 | 11525 N COMMUNITY HOUSE RD. SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 19.88% |
| RICHARDSON, DANIEL, WARD3 | 11525 N COMMUNITY HOUSE RD. SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $640 | — | $640 | 4.11% |
| DEUINK, JAMES, WILLIAM3 | 11525 N COMMUNITY HOUSE RD. SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $612 | — | $612 | 3.93% |
| UNIVOPS INSURANCE SERVICE3 Filed as: UNIVOPS INSURANCE SERVICES | 1875 S. GRANT ST. SUITE 960 SAN MATEO, CA 94402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $539 | — | $539 | 3.46% |
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 | 1,758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,151 | $11.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,151 | $11.1M |
| Vision | VISION SERVICE PLAN | 603 | $65K |
| Life insurance | STANDARD INSURANCE COMPANY | 948 | $277K |
| Short-term disability | STANDARD INSURANCE COMPANY | 810 | $41K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 948 | $251K |
| Other | STANDARD INSURANCE COMPANY | 948 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,151 | — |
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.
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.