| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 201 N ILLINOIS ST STE 1400 INDIANAPOLIS, IN 46204 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $19K | $19K | 0.27% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 2000 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.89% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 2000 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.89% |
| CUSTOM BENEFIT PROGRAMS INC3 | P O BOX 1116 HAMMONTON, NJ 08037 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 18.69% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 2000 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| GREG I HINRICHS3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 8.49% |
| DANIEL WARD RICHARDSON3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.05% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| 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 | $645 | — | $645 | 1.51% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 5.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 233 SOUTH WACKER DR STE 2000 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $244 | — | $244 | 0.88% |
| GREG I HINRICHS3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $629 | $241 | $870 | 11.05% |
| DANIEL WARD RICHARDSON3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $651 | — | $651 | 8.27% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $629 | — | $629 | 7.99% |
| 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 | $90 | — | $90 | 1.14% |
| GREG I HINRICHS3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $56 | $92 | 13.20% |
| DANIEL WARD RICHARDSON3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 5.31% |
| JAMES WILLIAM DEUINK3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 5.16% |
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 | 1,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,291 | $7.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,737 | $491K |
| Vision | VISION SERVICE PLAN | 505 | $46K |
| Life insurance | STANDARD INSURANCE COMPANY | 760 | $203K |
| Short-term disability | STANDARD INSURANCE COMPANY | 509 | $28K |
| Long-term disability(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 760 | $169K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 760 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,737 | — |
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."
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.