| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 6.20% |
| NATIONAL ENROLLMENT PARTNERS GENERA3 | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 5.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 205 W MAIN ST STE F LEXINGTON, SC 29072 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.96% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.04% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.02% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 19072 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.55% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 23.93% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.98% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.28% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 28209 | COMMUNITY EYE CARE | $2K | $0 | $2K | 10.00% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 23.48% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $724 | $0 | $724 | 5.87% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $600 | $600 | 4.87% |
| ERIN WIGGINS3 Filed as: ERIN WIGGINS - COLONIAL | 1738 MOHAWK AVE CHARLESTON, SC 29412 | LEGAL CLUB OF AMERICA | $652 | $0 | $652 | 11.58% |
| ECM BENEFITS LLC3 Filed as: ECM SOLUTIONS | 4000 PARK ROAD CHARLOTTE, NC 28209 | LEGAL CLUB OF AMERICA | $646 | $0 | $646 | 11.47% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | LEGAL CLUB OF AMERICA | $345 | $0 | $345 | 6.13% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $136K |
| Vision | COMMUNITY EYE CARE | 297 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 224 | $205K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 224 | $205K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 224 | $205K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 224 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.