| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 0.89% |
| WILLIS TOWERS WATSON US LLC3 | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.72% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.89% |
| WILLIS TOWERS WATSON US LLC3 | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.76% |
| GREG I HINRICHS3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $6K | $14K | 10.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS -CHARLOTTE | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.07% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $768 | — | $768 | 0.54% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $745 | — | $745 | 0.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 0.15% |
| MARSHALL G RIGGINS3 | 1010 N ELM ST GREENSBORO, NC 27401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.59% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 17.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.49% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.48% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.46% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5K | $7K | 29.56% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.21% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 20.05% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.52% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.33% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $994 | $2K | $3K | 17.20% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 22826 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.17% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $994 | — | $994 | 5.98% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $383 | $1K | $2K | 30.00% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $394 | — | $394 | 7.65% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $383 | — | $383 | 7.43% |
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 | 3,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,059 | $1.0M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,061 | $377K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,047 | $506K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,841 | $2.1M |
| Other(9 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,059 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,061 | — |
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.