| 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 | $637 | $3K | 12.30% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.54% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $770 | $3K | 14.31% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $734 | $3K | 14.12% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $825 | $0 | $825 | 7.31% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $94 | $608 | 5.38% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $8 | $177 | 1.57% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $17 | $80 | 0.71% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $2 | $67 | 0.59% |
| ASSUREDPARTNERS3 Filed as: BERTHA PATRICIA SHEPHERD | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $15 | $66 | 0.58% |
| CASSANDRA KRAMER3 | 1485 NORTH JUNE STREET SARATOGA, UT 84045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.51% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.41% |
| PATRICIA BLANCO ESPARZA3 | 4309 BRADLEY LN ARLINGTON, TX 76017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.39% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 E. HAMILTON LN BATTLE CREEK, MA 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.35% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.24% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARG, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $13 | $18 | 0.16% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.16% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 6320 GREENHAVEN DR. CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $4 | $16 | 0.14% |
| EDWIN DURANT SPRADLEY3 | 302 CHESTNUT STREET ST. MATTHEWS, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.14% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.12% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS LLC | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $6 | $13 | 0.12% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.10% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.05% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| VINCENT GERARD MCLAUGHLIN3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
| BRIAN JULIAN HAIR3 Filed as: BRIAN JULIAN HERR | 11 FALBROOK COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| ECM BENEFITS LLC3 | 4000 PARK AVENUE CHARLOTTE, NC 28209 | COMMUNITY EYE CARE A VSP COMPANY | $350 | $0 | $350 | 9.99% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $122 | $122 | 4.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $20K |
| ECM BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 4000 PARK ROAD CHARLOTTE, NC 28209 | $15K |
| MCCONKEY BENEFITS & FIN. SERVICES EIN 23-2385085 BROKER | Insurance agents and brokers Service code 22 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | $11K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
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 | 38 | 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) | 38 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $28K |
| Vision | COMMUNITY EYE CARE A VSP COMPANY | 69 | $4K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $3K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $18K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 38 | $112K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.