| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 282092388 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 11.65% |
| ECM BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 9.76% |
| CHESARAE MARIE KYER3 Filed as: CHESARAE M KYER | 555 NORTH PLEASANT BURG DRIVE GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 9.24% |
| KRISTI IVESTER3 | 555 NORTH PLEASANT BURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.31% |
| ALISON HLUCHOTA3 | 10 MEADOW RESERVE PLACE SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.05% |
| JUSTIN M GUIDI3 | 1039 44TH AVENUE NORTH SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.05% |
| ANNE E SWANSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $340 | $15 | $355 | 10.36% |
| RONALD D LEONARD3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $93 | $3 | $96 | 2.80% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $68 | $3 | $71 | 2.07% |
| ERIN PEDERSON3 Filed as: ERIN M KRAGENBRINK | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $28 | — | $28 | 0.82% |
| JOHN B RAFFIELD IV3 | P.O. BOX 2999 SUMTER, SC 29151 | AFLAC | $25 | — | $25 | 0.73% |
| ASHLEY M MELTON3 | 2230 LLOYD DRIVE SUMTER, SC 29154 | AFLAC | $9 | — | $9 | 0.26% |
| MATTHEW M HACKWORTH3 | 3310 TAMARAH WAY SUMTER, SC 29154 | AFLAC | $9 | — | $9 | 0.26% |
| ANDREW ARTHUR INC3 Filed as: ANDREW ARTHUR INC. | 103 CHASE STREET SUITE C FLORENCE, SC 29501 | AFLAC | $9 | — | $9 | 0.26% |
| KRISTI P CONNOR3 | 5 HAWTHORNE STREET SUMTER, SC 29150 | AFLAC | $5 | — | $5 | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC. | P.O. BOX 10328 KNOXVILLE, TN 37939 | AFLAC | $5 | — | $5 | 0.15% |
| ANETTE G HOOKER3 | 302 NORTH EBENEZER ROAD FLORENCE, SC 29501 | AFLAC | $3 | — | $3 | 0.09% |
| DON W LYLES3 | 2451 DESMOND DRIVE SUMTER, SC 29150 | AFLAC | $3 | — | $3 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROGER W BROWN | 355 SCOTT FARM DRIVE POWDER SPRINGS, GA 30127 | AFLAC | $3 | — | $3 | 0.09% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $2 | — | $2 | 0.06% |
| LESTER D PARK3 | 203 CLEARMEADOW DRIVE COLUMBIA, SC 29229 | AFLAC | $2 | — | $2 | 0.06% |
| JONATHAN W MCCUTCHEON3 | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $2 | — | $2 | 0.06% |
| C HARVEY KING3 | 931 SOUTH MAIN STREET SUITE B #206 KERNERSVILLE, NC 27284 | AFLAC | $2 | — | $2 | 0.06% |
| JENNIFER R EVANS3 | 83 INGLEWOOD CIRCLE SAINT HELENA ISLAND, SC 29920 | AFLAC | $1 | — | $1 | 0.03% |
| DENNIS A SZCZESNY3 | 15460 ALSASK CIRCLE PORT CHARLOTTE, FL 33981 | AFLAC | $1 | — | $1 | 0.03% |
| HAROLD L LYLES3 | 2750 MOHICAN DRIVE SUMTER, SC 29150 | AFLAC | $1 | — | $1 | 0.03% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.03% |
| STEPHEN I BURGESS3 | 555 NORTH PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | AFLAC | $305 | $270 | $575 | 19.90% |
| BISHOP INSURANCE, LLC3 Filed as: BISHOP INSURANCE LLC | 113 HOMESTEAD DRIVE BOILING SPRINGS, SC 29316 | AFLAC | $103 | $54 | $157 | 5.43% |
| JUSTIN M GUIDI3 | 10 MEADOW RESERVE PLACE SIMPSONVILLE, SC 29681 | AFLAC | $67 | $54 | $121 | 4.19% |
| CANDACE H SAMS3 | 205 CHEROKEE DRIVE WALESKA, GA 30183 | AFLAC | $46 | — | $46 | 1.59% |
| WILLIAM KEITH PRINCE3 | 4 QUEENS WAY GREENVILLE, SC 29615 | AFLAC | $18 | — | $18 | 0.62% |
| JOSEPH BERNABEI3 | 12268 ELDON DRIVE LARGO, FL 33774 | AFLAC | $16 | — | $16 | 0.55% |
| VERNA C JENKINS3 | 4202 POPLAR GROVE DRIVE CHARLOTTE, NC 28269 | AFLAC | $4 | — | $4 | 0.14% |
| DONALD P KREDENSOR3 | 1112 RIVER WALK DRIVE SIMPSONVILLE, SC 29681 | AFLAC | $3 | — | $3 | 0.10% |
| ASSUREDPARTNERS3 Filed as: KENNETH G SHEPHERD | P.O. BOX 25554 COLUMBIA, SC 29224 | AFLAC | $2 | — | $2 | 0.07% |
| FRANCES SANDRA BOND3 | 480 HOLLY SPRINGS CHURCH ROAD INMAN, SC 29349 | AFLAC | $2 | — | $2 | 0.07% |
| DONALD L ETHIER3 | 481 GRANADA DRIVE SPARTANBURG, SC 29303 | AFLAC | $1 | — | $1 | 0.03% |
| TONIA LANE HUNTER3 | P.O. BOX 126 WILLIAMSTON, SC 29697 | AFLAC | $1 | — | $1 | 0.03% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.03% |
| JANET S BATES3 Filed as: JANET STEGALL BATES | 12008 HARMON LANE PINEVILLE, NC 28134 | AFLAC | $1 | — | $1 | 0.03% |
| H STEEDLEY CANDLER3 | 1363 HEADQUARTERS PLANTATION DRIVE JOHNS ISLAND, SC 29455 | AFLAC | $1 | — | $1 | 0.03% |
| DENNIS C LINDEY3 | P.O. BOX 1082 GOODLETTSVILLE, TN 37070 | AFLAC | $1 | — | $1 | 0.03% |
| C HARVEY KING3 | 931 SOUTH MAIN STREET SUITE B #206 KERNERSVILLE, NC 27284 | AFLAC | $1 | — | $1 | 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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $174K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $174K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $174K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $174K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $174K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.