| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $121K | $121K | 2.99% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$20 | -$20 | -0.00% |
| JAMES WILLIAM DEUINK3 Filed as: JAMES W. DEUINK, JR. | 11111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $0 | $47K | 8.10% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11111 CARMEL COMMONS BOULEVARD SUITE 125 CHARLOTTE, NC 28226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 3.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $6K | $20K | 7.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | COMMUNITY EYE CARE | $6K | $0 | $6K | 10.00% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $4.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $274K |
| Vision | COMMUNITY EYE CARE | 367 | $59K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $577K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $577K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $577K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 635 | $4.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.