| 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 | $684 | $4K | 12.19% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $914 | $914 | 3.80% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $734 | $3K | 13.72% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $756 | $2K | 14.50% |
| ECM BENEFITS LLC3 | 4000 PARK AVENUE CHARLOTTE, NC 28209 | COMMUNITY EYE CARE A VSP COMPANY | $354 | $0 | $354 | 9.99% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $108 | $108 | 4.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST LLC ADMIN | Claims processing Service code 12 | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | $22K |
| ECM SOLUTIONS EIN 20-0573038 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| E. K. MCCONKEY & CO., INC. EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| AETNA HEALTH PLANS EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $979 |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $31K |
| Vision | COMMUNITY EYE CARE A VSP COMPANY | 40 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $20K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EVEREST REINSURANCE COMPANY | 51 | $139K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.