| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | 4000 PARK ROAD CHARLOTTE, NC 28209 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 3.00% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28209 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 157.82% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 61.86% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $79 | $79 | 0.21% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH STREET SUITE 100 DENVER, CO 802021622 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 4.05% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 330 | $256K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 723 | $31K |
| Life insurance(3 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 339 | $97K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 338 | $98K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 338 | $83K |
| Other(5 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 339 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.