| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVIEW RD STE 104 CHARLOTTE, NC 28210 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.46% |
| ECM BENEFITS LLC3 | 531 S MAIN ST STE 300 GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.36% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $409 | $409 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $75K |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $101K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $154K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $154K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 208 | $480K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.