| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $920 | $4K | 12.71% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.25% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.31% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $996 | $3K | 15.44% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | 4000 PARK AVENUE CHARLOTTE, NC 28209 | COMMUNITY EYE CARE A VSP COMPANY | $378 | $0 | $378 | 9.99% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $143 | $143 | 5.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRUM & FORSTER EIN 22-1964315 ADMIN | Claims processing Service code 12 | — | $44K |
| MEDCOST LLC ADMIN | Claims processing Service code 12 | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | $24K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| ECM SOLUTIONS EIN 20-0573038 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| E. K. MCCONKEY & CO., INC. EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
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 | 73 | 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) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $34K |
| Vision | COMMUNITY EYE CARE A VSP COMPANY | 43 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $22K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 53 | $137K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.