| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.50% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.50% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.50% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.50% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.50% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.50% |
| IMA, INC.3 Filed as: ECM BENEFITS LLC, AN IMA COMPA | 531 S MAIN STREET SUITE 300 GREENVILLE, SC 29601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $645 | — | $645 | 10.49% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $277 | — | $277 | 4.51% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $453 | — | $453 | 10.50% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $194 | — | $194 | 4.50% |
| ECM BENEFITS LLC3 Filed as: ECM BENEFITS, LLC | PO BOX 12457 CHARLOTTE, NC 28220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $401 | — | $401 | 10.51% |
| FULCRUM RISK SOLUTIONS3 Filed as: FULCRUM RISK SOLUTIONS, INC | 132 WESTPARK BLVD COLUMBIA, SC 29210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $172 | — | $172 | 4.51% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $34K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.