| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUKE M. FERGUSON3 | P.O. BOX 11548 CHARLOTTE, NC 28209 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $0 | $48K | $48K | 3.47% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | HARTFORD LIFE AND ACCIENT | $3K | $676 | $3K | 1.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIENT | -$20 | $0 | -$20 | -0.01% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 37.71% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $547 | $6K | 28.60% |
| MICHELLE RENE WALKER3 | 25 DOVECREEK CIRCLE COLUMBIA, SC 28229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $177 | $2K | 7.29% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $557 | $599 | $1K | 5.46% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $25 | $294 | 1.39% |
| EDWIN DURANT SPRADLEY3 | 1450 OLD SWMP ROAD SWANSEA, SC 29160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $0 | $247 | 1.17% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $32 | $244 | 1.15% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $105 | $228 | 1.08% |
| BROCKSTAR LLC3 | 2561 FALCON RIDGE DR. GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $1 | $27 | 0.13% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.03% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 297 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 176 | $109K |
| Life insurance | HARTFORD LIFE AND ACCIENT | 183 | $195K |
| Short-term disability | HARTFORD LIFE AND ACCIENT | 183 | $195K |
| Long-term disability | HARTFORD LIFE AND ACCIENT | 183 | $195K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 297 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIENT | 183 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.