| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES WILLIAM DEUINK3 Filed as: JAMES W. DEUINK, JR. | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $0 | $51K | 6.33% |
| GREG I HINRICHS3 Filed as: GREG I. HINRICHS | 11525 NORTH COMMUNITY HOUSE ROAD SUITE 450 CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 3.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METOPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 5.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METOPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | COMMUNITY EYE CARE | $9K | $0 | $9K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICA 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $523 | $0 | $523 | 25.02% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METOPOLITAN LIFE INSURANCE COMPANY | 1,107 | $330K |
| Vision | COMMUNITY EYE CARE | 557 | $85K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $813K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $813K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $815K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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.