| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | P.O. BOX 12457 CHARLOTTE, NC 28220 | RELIANCE STANDARD | $4K | $0 | $4K | 3.95% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVIEW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $875 | $0 | $875 | 0.98% |
| JIM MCCOLLOM3 | 5960 FAIRVIEW ROAD SUITE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $875 | $0 | $875 | 0.98% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $69 | $69 | 0.08% |
| ECM BENEFITS LLC3 | P.O. BOX 12457 CHARLOTTE, NC 28220 | RELIANCE STANDARD | $2K | $0 | $2K | 3.94% |
| JIM MCCOLLOM3 | 5960 FAIRVIEW ROAD SUITE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $2K | $0 | $2K | 2.97% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVIEW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $539 | $0 | $539 | 0.99% |
| ECM BENEFITS LLC3 | P.O. BOX 12457 CHARLOTTE, NC 28220 | RELIANCE STANDARD | $2K | $0 | $2K | 7.64% |
| JIM MCCOLLOM3 | 5960 FAIRVIEW ROAD SUITE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $1K | $0 | $1K | 4.88% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVIEW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $481 | $0 | $481 | 1.59% |
| ECM BENEFITS LLC3 | P.O. BOX 12457 CHARLOTTE, NC 28220 | RELIANCE STANDARD | $189 | $0 | $189 | 8.60% |
| IM MCCOLLOM3 | 5960 FAIRVIEW ROAD SUITE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $84 | $0 | $84 | 3.82% |
| ROBERT M. MCLEAN3 Filed as: ROBERT T SHORE | 5960 FAIRVEIW RD STE 104 CHARLOTTE, NC 28210 | RELIANCE STANDARD | $56 | $0 | $56 | 2.55% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $85K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $85K |
| Life insurance | RELIANCE STANDARD | 241 | $54K |
| Short-term disability | RELIANCE STANDARD | 239 | $89K |
| Long-term disability | RELIANCE STANDARD | 130 | $30K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 153 | $374K |
| Other(2 contracts) | RELIANCE STANDARD | 241 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.