| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | 4000 PARK RD. CHARLOTTE, NC 28203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 8.32% |
| KRISTI IVESTER3 | 555 N PLEASANTBURG DR STE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.72% |
| AMANDA DIMAS3 | 250 WAYNE CIRCLE SENECA, SC 29678 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.56% |
| REBECCA K BENTON3 Filed as: REBECCA KAY BENTON | 207 TWIN FALLS DR SIMPSONVILLE, SC 29680 | CONTINENTAL AMERICAN INSURANCE COMPANY | $927 | — | $927 | 0.81% |
| ALLISON D SHERIFF3 | 124 GRACE DR EASLEY, SC 29640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $679 | — | $679 | 0.59% |
| ANNA D BALDWIN3 Filed as: ANNA K BALDWIN | 555 N PLEASANTBURG DRIVE GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $352 | — | $352 | 0.31% |
| ELAN M HALL3 | 169 HERITAGE POINT DR SIMPSONVILLE, SC 296813239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $308 | — | $308 | 0.27% |
| ALISON GUIDI3 Filed as: ALISON MARIE GUIDI | 10785 E GELDING DR SCOTTSDALE, AZ 852551737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 0.26% |
| CHESARAE MARIE KYER3 | 11133 LIMEHURST PLACE CHARLOTTE, NC 28278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 0.25% |
| JUSTIN M GUIDI3 | 10785 E. GELDING DRIVE SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | — | $256 | 0.22% |
| TRISHA KAY MECK3 | 297 MCKENDREE LANE MYRTLE BEACH, SC 29579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | — | $239 | 0.21% |
| ROBIN MEREDITH3 | 100 ARKELL DR GREER, SC 29651 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.10% |
| KATHRYN T WHITE3 | 12 EL PASO DRIVE GREENVILLE, SC 29617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.04% |
| HEATHER LAWSON3 | 555 N. PLEASANTBURG DR STE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| ANNA KIRBY BALDWIN3 Filed as: ANNA K KIRBY | 615 BRASELTON LN MYRTLE BEACH, SC 29588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| KERRY COLVIN3 | 501 ROYAL DUTCH LN SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 16.17% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $8K | $20K | 24.80% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $9K | 19.54% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 24.94% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.37% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 24.65% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $102 | $99 | $201 | 19.73% |
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 | 147 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $80K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $80K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $39K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 152 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.