| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | 531 S MAIN ST STE 300 GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $540 | $0 | $540 | 0.54% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVIEW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $4K | $0 | $4K | 6.03% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVIEW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $3K | $0 | $3K | 5.11% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVIEW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $3K | $0 | $3K | 12.39% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVEIW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $451 | $0 | $451 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 ADMIN | Claims processing Service code 12 | — | $57K |
| CIGNA CORPORATION EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $39K |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 473 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 473 | $100K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 297 | $89K |
| Short-term disability | RELIANCE STANDARD | 238 | $64K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 198 | $779K |
| Other(3 contracts) | RELIANCE STANDARD | 297 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
No prospect flags tripped on this filing.