| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.33% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.56% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.28% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.99% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $832 | $0 | $832 | 5.66% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $416 | $416 | 2.83% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHAROLOTTE, NC 282092388 | METROPOLITAN LIFE INSURANCE COMPANYY | $2K | $0 | $2K | 13.55% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANYY | $559 | $0 | $559 | 4.52% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 290727282 | METROPOLITAN LIFE INSURANCE COMPANYY | $0 | $279 | $279 | 2.26% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS | 400 PARK ROAD CHAROLOTTE, NC 28209 | COMMUNITY EYE CARE | $891 | $0 | $891 | 10.00% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $96K |
| Vision | COMMUNITY EYE CARE | 69 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $96K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $96K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.