| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $348 | $5K | 10.75% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 24.26% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 S MOUNT JULIET STE 235 PMB 184 MT JULIET, TN 37076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.82% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $163 | $2K | 10.75% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.00% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $502 | $38 | $540 | 10.75% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251 | $0 | $251 | 5.00% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 82 | $46K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 82 | $46K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $5K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.