| 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 | $9K | $696 | $10K | 10.75% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNUM LIFE INSURANCE COMPANY | $5K | $386 | $6K | 10.75% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | 4840 COX ROAD STE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | $0 | $518 | 1.90% |
| IBENFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR ST 210 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | $0 | $258 | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS INC | 1901 ROXBOROOUGH RD STE 300 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $252 | $0 | $252 | 0.92% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | $0 | $110 | 0.40% |
| MICHAEL L COUSINS3 | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | $0 | $108 | 0.40% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $118K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $118K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 151 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $93K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 151 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.