| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $1.3M | — | $1.3M | 12.74% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $57K | $57K | 0.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | AON CONSULTANCY INC CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $29K | $29K | 0.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | TRUSTMARK INSURANCE COMPANY | $125K | — | $125K | 6.39% |
| J MANNING AND ASSOCIATES3 | 1034 N ASHLAND AVE CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $103K | — | $103K | 5.25% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $41K | — | $41K | 2.10% |
| HINRICHS, GREG, I3 | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | $78K | $123K | 8.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | WILLIS TOWER 35371 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57K | $23K | $79K | 5.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $28K | $62K | 4.09% |
| RICHARDSON, DANIEL, WARD3 | STE 450, 1125 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | — | $45K | 2.98% |
| DEUINK, JAMES, WILLIAM3 | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45K | — | $45K | 2.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC-KANSAS CITY | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 0.55% |
| G MURPHY & ASSOCIATES3 Filed as: G MURPHY & ASSOCIATES INC | STE 1057 1911 W WILSON ST BATAVIA, IL 60510 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.31% |
| ZIMMERMAN, MICHAEL, J3 | STE 105, 11225 COLLEGE BLVD OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 0.18% |
| WISTED, DANIEL, J3 Filed as: WISTED,DANILE J | STE 325,3440 PRESTON RIDGE RD ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $575 | $107 | $682 | 0.05% |
| RX FINANCIAL RESOURCES, INC3 Filed as: RX FINANCIAL RESOURCES INC | 340 W BUTTERFIELD RD STE LE ELMHURST, IL 60126 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $69 | $109 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $129K | $15K | $145K | 10.03% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $12K | $109K | 11.25% |
| HINRICHS, GREG, I3 | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $21K | $48K | 5.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | WILLIS TOWER, 35371 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $1K | $45K | 5.14% |
| RICHARDSON, DANIEL, WARD3 | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 3.16% |
| DEUINK, JAMES, WILLIAM3 Filed as: DEUINK, JAMES WILLIAM | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 3.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NC 10281 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $12K | $24K | 2.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KANSAS CITY | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $104K | — | $104K | 11.90% |
| ZIMMERMAN, MICHAEL, J3 Filed as: ZIMMERMAN, MICHAEL J. | STE 105, 11225 COLLEGE BLVD OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $35K | $35K | 3.97% |
| HINRICHS, GREG, I3 Filed as: HINRICHS, GREG I | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 0.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | WILLIS TOWER, 35371 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $672 | $6K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CTR 6TH FL 2002 LIBERTY ST NEW YORK, NY 10281 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 0.56% |
| RICHARDSON, DANIEL, WARD3 Filed as: RICHARDSON, DANIEL WARD | STE 450, 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.45% |
| DEUINK, JAMES, WILLIAM3 Filed as: DEUINK, WILLIAM JAMES | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.45% |
| MAY'S INSURANCE AGENCY3 | 500 N. PINE ST. BURLINGTON, WI 53105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| G MURPHY & ASSOCIATES3 Filed as: G MURPHY & ASSOCIATES INC. | STE 1057 1911 W WILSON ST BATAVIA, IL 60510 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 4.87% |
| HINRICHS, GREG, I3 Filed as: HINRICHS, GREG I | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $182 | $295 | 4.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | WILLIS TOWER 35371 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $50 | $200 | 2.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $76 | $152 | 2.17% |
| RICHARDSON, DANIEL, WARD3 Filed as: RICHARDSON, DANIEL WARD | STE 450, 11525 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 1.61% |
| DEUINK, JAMES, WILLIAM3 Filed as: DEUINK, JAMES WILLIAM | STE 450, 11525 N COMMUNITY HOUSE RD SUITE 450 CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KANSAS CITY | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $608 | — | $608 | 13.85% |
| ZIMMERMAN, MICHAEL, J3 Filed as: ZIMMERMAN, MICHAEL J | STE 105, 11225 COLLEGE BLVD OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $203 | $203 | 4.62% |
| WISTED, DANIEL, J3 Filed as: WISTED, DANIEL J | STE325,3440PRESTON RIDGE RD ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $330 | $61 | $391 | 14.45% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 LOCK BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | -$2K | -$2K | — |
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 | 82,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 853 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,393 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 85,128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 92,812 | $7.3M |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,946 | $7.9M |
| Other(12 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 82,882 | $23.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92,812 | — |
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.