| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 4.23% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GENERA | 401 S MOUNT JULIET RD MOUNT JULIET, TN 37122 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 4.14% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 205 W MAIN ST STE F LEXINGTON, SC 29072 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 1.28% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.80% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $19 | $12K | 9.14% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.56% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $19 | $6K | 18.40% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.19% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 28209 | COMMUNITY EYE CARE | $2K | $0 | $2K | 10.00% |
| ERIN WIGGINS3 Filed as: ERIN WIGGINS - COLONIAL | 1738 MOHAWK AVE CHARLESTON, SC 29412 | LEGAL CLUB OF AMERICA | $701 | $0 | $701 | 3.99% |
| ECM BENEFITS LLC3 Filed as: ECM SOLUTIONS | 4000 PARK ROAD CHARLOTTE, NC 28209 | LEGAL CLUB OF AMERICA | $614 | $0 | $614 | 3.49% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | LEGAL CLUB OF AMERICA | $542 | $0 | $542 | 3.09% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 18.64% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $476 | $0 | $476 | 4.18% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $26 | $199 | 8.44% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 5.21% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 3.22% |
| WILLIAM KRAMER3 | 249 WEST BOWMORE DRIVE BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 2.03% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS SYSTEM INC | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $9 | $22 | 0.93% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.47% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIRCLE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.17% |
| EDWIN DURANT SPRADLEY3 | 302 CHESTNUT STREET ST MATTHEWS, SC 29135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.08% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $134K |
| Vision | COMMUNITY EYE CARE | 165 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 226 | $230K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $230K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $230K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 226 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.