| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.52% |
| GREG I HINRICHS3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $8K | $14K | 11.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS -CHARLOTTE | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.32% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.92% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $135 | $290 | 0.24% |
| MARSHALL G RIGGINS3 | 1010 N ELM ST GREENSBORO, NC 27401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $11K | $15K | 27.40% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.12% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $469 | — | $469 | 0.88% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $11K | $14K | 28.39% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 22826 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.04% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.47% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 17.94% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $674 | $166 | $840 | 3.12% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $652 | — | $652 | 2.42% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $633 | — | $633 | 2.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- HOME OFFICE | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $5K | $7K | 30.55% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.75% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 1.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 20.00% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $549 | $2K | $2K | 27.33% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $566 | — | $566 | 7.25% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $549 | — | $549 | 7.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11111 CARMEL COMMONS BLVD STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $1K | $2K | 24.95% |
| DANIEL WARD RICHARDSON3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $369 | — | $369 | 5.82% |
| JAMES WILLIAM DEUINK3 | STE 125 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $358 | — | $358 | 5.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.44% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK WILLIAM HOWARTH | 6077 BRISTOL PARKWAY DBA TBG WEST INSURANCE CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 17.14% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK WILLIAM HOWARTH | 6077 BRISTOL PARKWAY III DBA TBG WEST INSURANCE CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $70 | $70 | 5.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 233 S WACKER STE 2000 WILLIS TOWER CHICAGO, IL 60606 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $15 | — | $15 | 21.43% |
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 | 3,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 925 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,360 | $1.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,417 | $57K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,360 | $502K |
| Other(11 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,360 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,417 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.