| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FI6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FI6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.44% |
| GREG I HINRICHS3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 15.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS -CHARLOTTE | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.49% |
| DANIEL WARD RICHARDSON3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $985 | — | $985 | 1.31% |
| JAMES WILLIAM DEUINK3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $956 | — | $956 | 1.28% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK, PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $650 | — | $650 | 0.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $116 | $218 | 0.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST,INC. | WILLIS TOWER 233,S WACKER STE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $78 | $160 | 0.21% |
| MARSHALL G RIGGINS3 | 1010 N ELM ST GREENSBORO, NC 27401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 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 | $3K | $3K | $6K | 14.44% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4K | $5K | 11.63% |
| DANIEL WARD RICHARDSON3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| JAMES WILLIAM DEUINK3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.64% |
| LESLIE KOSTNER3 | LOCKTON COMPANIES 444 W 47TH ST KANSAS CITY, MO 641121919 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 12.21% |
| 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 | $1K | $2K | $3K | 8.37% |
| DANIEL WARD RICHARDSON3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.18% |
| JAMES WILLIAM DEUINK3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.06% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $5K | 20.86% |
| 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 | $2K | $2K | $4K | 18.79% |
| DANIEL WARD RICHARDSON3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 3.38% |
| JAMES WILLIAM DEUINK3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $713 | — | $713 | 3.28% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 16.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 C/O COMMERCE BANK KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $464 | — | $464 | 2.47% |
| DANIEL WARD RICHARDSON3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $311 | — | $311 | 1.66% |
| JAMES WILLIAM DEUINK3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 1.60% |
| 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 | $12 | $25 | 0.13% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $277 | $507 | 9.53% |
| 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 | $180 | $197 | $377 | 7.09% |
| DANIEL WARD RICHARDSON3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 4.45% |
| JAMES WILLIAM DEUINK3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 4.32% |
| GREG I HINRICHS3 Filed as: GREG HINRICHS | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $190 | $274 | $464 | 11.86% |
| DANIEL WARD RICHARDSON3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $196 | — | $196 | 5.01% |
| JAMES WILLIAM DEUINK3 | STE 450 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $190 | — | $190 | 4.86% |
| 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 CASUALTY INSURANCE COMPANY | $57 | $72 | $129 | 3.30% |
| 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 | $167 | — | $167 | 13.32% |
| 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 | $64 | $87 | $151 | 12.04% |
| 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 | $56 | $56 | 4.47% |
| 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 | $97 | $106 | $203 | 45.52% |
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 | 3,441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 160 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,012 | $39K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,876 | $1.4M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,927 | $66K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,876 | $630K |
| Other(11 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,876 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,012 | — |
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."
No prospect flags tripped on this filing.