| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $244K | $0 | $244K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $62K | $62K | 1.51% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $7K | $29K | 2.15% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL RICHARDSON | 11111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.27% |
| JAMES WILLIAM DEUINK3 Filed as: JAMES DEUINK | 1111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.25% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 100 NORTH MAIN STREET, SUITE 2200 WINSTON-SALEM, NC 27101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 0.01% |
| LOUIS R FAIOLA3 Filed as: LOUIS PANTALONE | PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $11K | $80K | 11.60% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $5K | $27K | 3.89% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 3.40% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 3.40% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119K | $17K | $136K | 26.82% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 2.54% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 2.47% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 2.43% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 10.45% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.15% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.79% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $831 | $0 | $831 | 1.04% |
| IVAN C HINRICHS3 Filed as: IVAN C. HINRICHS | 11111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 20.70% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $45 | $63 | 10.55% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 3.02% |
| JAMES WILLIAM DEUINK3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 3.02% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $23 | $53 | $76 | 13.94% |
| DANIEL WARD RICHARDSON3 | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $23 | $0 | $23 | 4.22% |
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 | 5,531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,199 | $680K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,573 | $5.9M |
| Short-term disability(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,573 | $5.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,573 | $4.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,573 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,573 | — |
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.