| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAGE BENEFIT ADVISORS, INC.3 | 2101 ARNOLD DR CHARLOTTE, NC 28205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.11% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 N. TRYON STREET, SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 7.47% |
| JOCELYNE GERVAIS3 | 1011 RED HAT LANE DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.26% |
| DENISE KRAFT CASEY3 | 7315 GOLD MINE RD CHAPEL HILL, NC 27516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.15% |
| RYAN SCOTT SHADEL3 | 3100 BLUFF LANE, APT 1316 HILLSBOROUGH, NC 27278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.97% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 711 BEACH BLVD, APT 1316 JACKSONVILLE BEACH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $842 | $0 | $842 | 0.74% |
| PATRICIA H WALKUP3 | 8950 SNOW CAMP ROAD SNOW CAMP, NC 27349 | CONTINENTAL AMERICAN INSURANCE COMPANY | $617 | $0 | $617 | 0.54% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 0.14% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM L BAKER | 10716 MARTHAS WAY RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | $0 | $146 | 0.13% |
| GWENDOLYN BAILEY3 | 4956 TUCKAHOE TRACE WAKE FOREST, NC 27587 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.12% |
| CHERYL OLSEN3 | 617 BLUE POINT DR WILMINGTON, NC 28411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 0.10% |
| JOHN MIKE BUTLER3 Filed as: JOHN M BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.08% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.05% |
| MEGHAN MILLER3 Filed as: MEGHAN MARIE MILLER | 149 MALIBU RD MOORESVILLE, NC 28117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.05% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 2 GLENMORE DRIVE DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.04% |
| TEATORS INS PROTECTION SERVICES3 | 228 WOODFIELD CT FUQUAY VARINA, NC 275265650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.04% |
| TITUS R HUNT3 Filed as: TITUS RAY HUNT | 2995 MABEL TRL BOONVILLE, NC 270118573 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
| AARON FOGLE3 | 5070 NC HWY 902 PITTSBORO, NC 27312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.02% |
| LAUREN E SKINNER3 | 700 SWAN NECK LN RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.02% |
| JENNIE WALKER STILLS3 | 501 CLEAR WOOD CT WAXHAW, NC 28173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.02% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| ORMOND OLGA SHAW III3 | 8427 STONE MASON DRIVE RALEIGH, NC 27613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| MELISSA A RHODES3 | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 339132633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| DEBORAH A WITHEY3 | 4026 MAIN AVE DR NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| BENJAMIN MACKEY3 Filed as: BENJAMIN J MACKEY | 515 LONG VIEW DRIVE YOUNGSVILLE, NC 27596 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| JEREMY M HASKELL3 | 3265 SE 21ST AVE OCALA, FL 344716179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| ESI VENTURES, INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBERT A BROWN | 4000 OSSI CT, SUITE 211 HIGH POINT, NC 27265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| GAGE BENEFIT ADVISORS, INC.3 | 2101 ARNOLD DR CHARLOTTE, NC 28205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $513 | $0 | $513 | 0.91% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $0 | $363 | 1.10% |
| GASTON H GAGE JR3 Filed as: GASTON H GAGE | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $350 | $0 | $350 | 1.06% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LANE DURHAM, NC 27713 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.23% |
| FIRST SOUTHEAST INSURANCE SERVICES3 | PO BOX 939 BURLINGTON, NC 27216 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.13% |
| JOCELYNE GERVAIS3 | 1526 E FRANKLIN ST CHAPEL HILL, NC 27514 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 NONE | Insurance agents and brokers Service code 22 | PO BOX 2291 DURHAM, NC 27702 | $141K |
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 | 443 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $201K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 59 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $168K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.