| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28209 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 4.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET SUITE 2 COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.00% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28209 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 11.61% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $37 | $37 | 0.05% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 282202457 | VISION SERVICE PLAN | $881 | $0 | $881 | 6.47% |
| EMPLOYEE NAVIGATOR, LLC5 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $0 | $68 | $68 | 0.50% |
| ECM BENEFITS LLC3 | PO BOX 12457 CHARLOTTE, NC 28220 | DELTA DENTAL OF MISSOURI | $8K | $0 | $8K | — |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $408K |
| Dental | DELTA DENTAL OF MISSOURI | 255 | $0 |
| Vision | VISION SERVICE PLAN | 149 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 191 | $67K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 191 | $67K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 191 | $67K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $408K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 191 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.