| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 13.27% |
| ECM BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 9.62% |
| ALISON HLUCHOTA3 | 10 MEADOW RESERVE PLACE SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.52% |
| KRISTI IVESTER3 | 555 NORTH PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.69% |
| JUSTIN M GUIDI3 Filed as: JUSTIN M. GUIDI | 1039 44TH AVENUE NORTH, SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.41% |
| MJ INSURANCE3 Filed as: KATHRYN T. WHITE AND VARIOUS AGENTS | 12 EL PASO DRIVE GREENVILLE, SC 29617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $790 | $0 | $790 | 1.01% |
| ALLISON D SHERIFF3 Filed as: ALLISON D. SHERIFF | 124 GRACE DRIVE EASLEY, SC 29640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $520 | $0 | $520 | 0.67% |
| CHESARAE MARIE KYER3 Filed as: CHESARAE M. KYER | 555 NORTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503 | $0 | $503 | 0.65% |
| PAULA J FAMBROUGH3 Filed as: PAULA J. FAMBROUGH | 8205 DUNMORE DRIVE, APARTMENT C HUNTERSVILLE, NC 28078 | AFLAC | $970 | $0 | $970 | 3.77% |
| MUNCIE ALAN RUSSELL3 Filed as: MUNCIE ALAN RUSSEL | 1829 SENATE STREET, APARTMENT 8D COLUMBIA, SC 29201 | AFLAC | $831 | $0 | $831 | 3.23% |
| MJ INSURANCE3 Filed as: LARRY NICHOLSON AND VARIOUS AGENTS | 116 EAST MAIN STREET ROCK HILL, SC 29730 | AFLAC | $660 | $0 | $660 | 2.56% |
| E. RAYMOND GRANT3 | 618 PLANTERS DRIVE COLUMBIA, SC 29209 | AFLAC | $439 | $0 | $439 | 1.71% |
| REGINA BRANHAM3 Filed as: REGINA C. COKER | PO BOX 212 ELGIN, SC 29045 | AFLAC | $115 | $0 | $115 | 0.45% |
| IRVING BRANHAM3 Filed as: IRVING W. BRANHAM | PO BOX 111 CAMDEN, SC 29021 | AFLAC | $81 | $0 | $81 | 0.31% |
| DAVID C BERRY3 Filed as: DAVID C. BERRY | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | AFLAC | $80 | $0 | $80 | 0.31% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $213K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $213K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $213K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $213K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $213K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $317K |
| 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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.