| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $7K | $29K | 27.17% |
| ECM BENEFITS LLC5 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.00% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.86% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 21.19% |
| ECM BENEFITS LLC5 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | 2102 N 117TH AVE OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | — |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $226 | $226 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908348 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $14K |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $97K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.