| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | P.O. BOX 12457 CHARLOTTE, NC 28220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $637 | $9K | 10.75% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNUM LIFE INSURANCE COMPANY | $5K | $358 | $5K | 10.75% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | 4840 COX ROAD STE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $354 | $0 | $354 | 1.45% |
| IBENFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR ST 210 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | $0 | $214 | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS INC | 1901 ROXBOROOUGH RD STE 300 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.37% |
| MICHAEL L COUSINS3 | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.23% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.15% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 221 | $120K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 221 | $120K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 140 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $85K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 140 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.