| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 9.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.58% |
| SHEALY BENEFITS SERVICES INC3 | 201 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $712 | $712 | 2.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $929 | $0 | $929 | 5.16% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $872 | $0 | $872 | 4.84% |
| SHEALY BENEFITS SERVICES INC3 | 201 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $436 | $436 | 2.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $895 | $0 | $895 | 5.14% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $845 | $0 | $845 | 4.86% |
| SHEALY BENEFITS SERVICES INC3 | 201 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $423 | $423 | 2.43% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $577 | $2K | 13.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.18% |
| SHEALY BENEFITS SERVICES INC3 | 201 CAUGHMAN FARM LN LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $327 | $327 | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28211 | COMMUNITY EYE CARE | $646 | $0 | $646 | 5.91% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | COMMUNITY EYE CARE | 183 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $18K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.