| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS | PO BOX 12457 CHARLOTTE, NC 282202457 | HUMANA INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| ECM BENEFITS LLC3 | P.O. BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 15.55% |
| ECM BENEFITS LLC3 | P.O. BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $906 | $3K | 15.38% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | 400 PARK RD CHARLOTTE, NC 28209 | COMMUNITY EYE CARE | $1K | $0 | $1K | 10.00% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 108 | $88K |
| Vision | COMMUNITY EYE CARE | 100 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $17K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.