| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G MURPHY & ACCOC INC3 | 701 WARRENVILLE ROAD SUITE 250 LISLE, IL 60532 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $364K | — | $364K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $914K | $45K | $959K | 11.96% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCK BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $200K | — | $200K | 3.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $45K | $45K | 0.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 0.31% |
| HINRICHS, GREG, I3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47K | $136K | $183K | 14.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S. WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94K | $76K | $169K | 12.97% |
| RICHARDSON, DANIEL, WARD3 | 11111 CARMEL COMMONS BLVD., STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47K | — | $47K | 3.58% |
| DEUINK, JAMES, WILLIAM3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47K | — | $47K | 3.58% |
| G MURPHY & ASSOCIATES3 Filed as: G MURPHY & ASSOCIATES INC. | 701 WARRENVILLE ROAD SUITE 250 LISLE, IL 60532 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 0.96% |
| 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 | $11K | — | $11K | 0.87% |
| ZIMMERMAN, MICHAEL, J3 | 11225 COLLEGE BLVD., SUITE 105 OVERLAND, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.29% |
| CLARK CONSULTING3 | 101 CENTREPORT DR. STE 250 GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.10% |
| DELAY, JAMES, FOSTER3 | PO BOX 1909 PONTE VEDRA BEACH, FL 32004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $721 | — | $721 | 0.06% |
| 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 | $14 | $12 | $26 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS | $109K | $9K | $118K | 11.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 233 S. WACKER DRIVE CHICAGO, IL 60606 | METLIFE LEGAL PLANS | $9K | — | $9K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2601 CAMBRIDGE COURT, SUITE 435 AUBURN HILLS, MI 48326 | METLIFE LEGAL PLANS | — | $41 | $41 | 0.00% |
| J MANNING AND ASSOCIATES3 | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRUSTMARK INSURANCE COMPANY | $273K | — | $273K | 33.68% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 2189 N ILLINOIS RT. 83 - SUITE 110 ROUND LAKE BEACH, IL 60073 | TRUSTMARK INSURANCE COMPANY | $109K | — | $109K | 13.47% |
| WILLIS TOWERS WATSON US LLC3 | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | TRUSTMARK INSURANCE COMPANY | $36K | — | $36K | 4.45% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC, HEALTH & BENEFIT | 6363 COLLEGE BLVD., STE. 500 LEAWOOD, KS 66211 | HARTFORD LIFE AND ACCIDENT | $228K | $1.2M | $1.4M | 205.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $172K | — | $172K | 24.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD. LOCKBOX 741738 COLLEGE PARK, GA 30349 | HARTFORD LIFE AND ACCIDENT | $56K | — | $56K | 7.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| HINRICHS, GREG, I3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $467 | $2K | $2K | 25.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S. WACKER DRIVE CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $934 | $1K | $2K | 22.03% |
| RICHARDSON, DANIEL, WARD3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $467 | — | $467 | 4.98% |
| DEUINK, JAMES, WILLIAM3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $467 | — | $467 | 4.98% |
| WILLIS TOWERS WATSON US LLC0 Filed as: WILLIS TOWERS WATSON MIDWEST | 93033 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $33 | — | $33 | 9.71% |
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 | 75,755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 899 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76,654 | 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. | 40,259 | $3.6M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 67,373 | $14.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,031 | $5.0M |
| Other(11 contracts, 9 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 75,755 | $25.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75,755 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.