| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 13.23% |
| ECM BENEFITS LLC3 | 4000 PARK RD CHARLOTTE, NC 28209 | AFLAC | $13K | $0 | $13K | 10.56% |
| KRISTI IVESTER3 | 555 N PLEASANTBURG DR STE 200 GREENVILLE, SC 29607 | AFLAC | $5K | $0 | $5K | 4.14% |
| ANNA D BALDWIN3 | 555 N PLEASANTBURG DR GREENVILLE, SC 29607 | AFLAC | $3K | $0 | $3K | 2.29% |
| ALLISON GUIDI3 | 10 MEADOW RESERVE PL SIMPSONVILLE, SC 29680 | AFLAC | $3K | $0 | $3K | 2.19% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LANE SIMPSONVILLE, SC 29681 | AFLAC | $2K | $0 | $2K | 1.94% |
| ELAN M HALL3 Filed as: ELAN HALL | 169 HERITAGE POINT DR SIMPSONVILLE, SC 29681 | AFLAC | $2K | $0 | $2K | 1.46% |
| JUSTIN M GUIDI3 | 1039 44TH AVE NORTH STE 101 MYRTLE BEACH, SC 29577 | AFLAC | $1K | $0 | $1K | 0.93% |
| REBECCA K BENTON3 | 207 TWIN FALLS DOWN SIMPSONVILLE, SC 29680 | AFLAC | $956 | $0 | $956 | 0.78% |
| HEATHER LAWSON3 | 555 N PLEASANTBURG DR GREENVILLE, SC 29607 | AFLAC | $670 | $0 | $670 | 0.55% |
| CHESARAE MARIE KYER3 Filed as: CHESARAE M KYER | 11133 LIMHURST PLACE CHARLOTTE, NC 28278 | AFLAC | $419 | $0 | $419 | 0.34% |
| KATHRYN T WHITE3 | 12 EL PASO DR GREENVILLE, SC 29607 | AFLAC | — | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACCURISK/NATIONWIDE INSURANCE ADMIN | Claims processing Service code 12 | 10 SOUTH LASALLE ST STE 3450 CHICAGO, IL 60603 | $278K |
| EDUMEDICS LLC DBA SENTRY HEALTH ADMIN | Claims processing Service code 12 | 7410 NEW LA GRANGE RD STE 205 LOUISVILLE, KY 40222 | $57K |
| ANCHOR BENEFIT CONSULTING, INC ADMIN | Claims processing Service code 12 | 2400 MAITLAND CENTER PARKWAY STE. 111 MAITLAND, FL 32751 | $47K |
| ECM INSURANCE BROKER | Insurance agents and brokers Service code 22 | 532 S MAIN ST STE. 300 GREENVILLE, SC 29601 | $33K |
| LIFECYCLE II, LLC ADMIN | Claims processing Service code 12 | 4000 PARK RD CHARLOTTE, NC 28209 | $9K |
| UPSTATE CONCIERGE MANAGEMENT LLC ADMIN | Claims processing Service code 12 | 216 RIVER ST 3RD FLOOR TROY, NY 12180 | $9K |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $233K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $233K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $233K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $233K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $233K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.