| 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 | $843K | $173K | $1.0M | 12.06% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCK BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $188K | $98K | $286K | 5.53% |
| J MANNING AND ASSOCIATES3 | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRUSTMARK INSURANCE COMPANY | $906K | — | $906K | 40.21% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 2189 N ILLINOIS RT. 83 - SUITE 110 ROUND LAKE BEACH, IL 60073 | TRUSTMARK INSURANCE COMPANY | $362K | — | $362K | 16.09% |
| WILLIS TOWERS WATSON US LLC3 | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | TRUSTMARK INSURANCE COMPANY | $165K | — | $165K | 7.33% |
| 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 | $87K | $23K | $110K | 7.23% |
| HINRICHS, GREG, I3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $46K | $46K | 3.02% |
| RICHARDSON, DANIEL, WARD3 | 11111 CARMEL COMMONS BLVD., STE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43K | — | $43K | 2.87% |
| DEUINK, JAMES, WILLIAM3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43K | — | $43K | 2.87% |
| 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 | 0.72% |
| G MURPHY & ASSOCIATES3 Filed as: G MURPHY & ASSOCIATES INC. | 701 WARRENVILLE ROAD SUITE 250 LISLE, IL 60532 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 0.61% |
| ZIMMERMAN, MICHAEL, J3 | 11225 COLLEGE BLVD., SUITE 105 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.24% |
| DELAY, JAMES, FOSTER3 | PO BOX 1909 PONTE VEDRA BEACH, FL 32004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $627 | — | $627 | 0.04% |
| 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 | $29 | $62 | $91 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METLIFE LEGAL PLANS | $112K | $19K | $131K | 11.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | — | $54 | $54 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.00% |
| 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 | $144K | — | $144K | 14.44% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. ZIMMERMAN | 11225 COLLEGE BLVD., SUITE 105 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48K | — | $48K | 4.81% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD. STE. 125 SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 0.37% |
| 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 | $2K | $792 | $3K | 0.30% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL RICHARDSON WARD | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| WILLIAM JAMES DEUINK3 | 11111 CARMEL COMMONS BLVD. STE. 125 SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| MAY'S INSURANCE AGENCY3 | 500 N. PINE ST. BURLINGTON, WI 53105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.01% |
| 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 | 1111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4K | $5K | 15.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S. WACKER DRIVE CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 14.94% |
| RICHARDSON, DANIEL, WARD3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.49% |
| DEUINK, JAMES, WILLIAM3 | 11111 CARMEL COMMONS BLVD. STE. 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.49% |
| GREG I HINRICHS3 | 11111 CARMEL COMMONS BLVD. STE. 125 SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $282 | $360 | 6.63% |
| G MURPHY & ASSOCIATES3 Filed as: G MURPHY & ASSOCIATES INC. | 701 WARRENVILLE ROAD, STE. 250 LISLE, IL 60632 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 4.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S. WACKER DRIVE, STE. 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 2.89% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL RICHARDSON WARD | 11111 CARMEL COMMONS BLVD. STE. 125 SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 1.44% |
| JAMES WILLIAM DEUINK3 | 11111 CARMEL COMMONS BLVD. STE. 125 SUITE 125 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 1.44% |
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 | 65,811 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 67,924 | 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. | 39,782 | $3.3M |
| Life insurance | TRUSTMARK INSURANCE COMPANY | 1,901 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,080 | $5.2M |
| Other(8 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 65,811 | $14.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,811 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.