| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | 400 PARK RD CHARLOTTE, NC 28203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 14.84% |
| KRISTI IVESTER3 | 317 HOBSON RD ANDERSON, SC 29621 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.90% |
| ANNA D BALDWIN3 Filed as: ANNA K BALDWIN | 6780 W AMIGO DR GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.37% |
| REBECCA K BENTON3 Filed as: REBECCA KAY BENTON | 207 TWIN FALLS DR SIMPSONVILLE, SC 29680 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.27% |
| AMANDA DIMAS3 | 250 WAYNE CIRCLE SENECA, SC 29678 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.09% |
| ELAN M HALL3 | 169 HERITAGE POINT DR SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $897 | $0 | $897 | 0.85% |
| ALISON D SHERIFF3 | 12 EL PASO DR GREENVILLE, SC 29617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $817 | $0 | $817 | 0.78% |
| JUSTIN M GUIDI3 | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $381 | $0 | $381 | 0.36% |
| CHESARAE MARIE KYER3 | 11133 LIMEHURST PLACE CHARLOTTE, NC 28278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | $0 | $246 | 0.23% |
| ALISON GUIDI3 Filed as: ALISON MARIE GUIDI | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | $0 | $151 | 0.14% |
| ROBIN MEREDITH3 | 100 ARKELL DR GREER, SC 29651 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | $0 | $147 | 0.14% |
| HEATHER LAWSON3 | 133 RONICA LANE PACOLET, SC 29372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | $0 | $141 | 0.13% |
| KATHRYN T WHITE3 | 12 ELPASO DR GREENVILLE, SC 29617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.04% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LANE SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $20K | 21.58% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 14.90% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 16.85% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.52% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $606 | $2K | 13.86% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $819 | $3K | 21.39% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $109 | $71 | $180 | 16.47% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $74K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $92K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $45K |
| Other(6 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 351 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.