| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GASTON H GAGE JR3 Filed as: GASTON GAGE JR | 124 N MCDOWELL COURT CHARLOTTE, NC 28284 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $34K | — | $34K | 1.17% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LANE DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 8.43% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 N. TRYON STREET SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 8.43% |
| JOHN MIKE BUTLER3 | 1440-A OLD LENOIR ROAD NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $936 | — | $936 | 0.49% |
| LARRY A WESTON JR3 Filed as: LARRY A. WESTON JR | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $896 | — | $896 | 0.47% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | — | $482 | 0.25% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM L. BAKER IV | 8405 KEMPTON ROAD RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 0.16% |
| CHERYL OLSEN3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 0.14% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 725 COPPERLINE DRIVE GARNER, NC 27529 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.09% |
| JILL R LAMBERT3 Filed as: JILL W. DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.05% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.05% |
| CATHERINE L ROBERTS3 Filed as: CATHERINE LEE ROBERTS | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.04% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.04% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.04% |
| GORDON K VANN3 Filed as: GORDON K. VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| LAUREN E SKINNER3 Filed as: LAUREN E. SKINNER | 204 E. ARLINGON BLVD. SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| DEBORAH A WITHEY3 Filed as: DEBORAH WITHEY | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.03% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.03% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| GARY GREENE3 | 1609 WEST ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 204 E ARLINGTON BLVD, UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 N. TRYON STREET SUITE 1800 CHARLOTTE, NC 28202 | PRINCIPAL LIFE INSRUANCE COMPANY | $5K | — | $5K | 4.42% |
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 | 384 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 371 | $2.9M |
| Life insurance | PRINCIPAL LIFE INSRUANCE COMPANY | 384 | $112K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 346 | $193K |
| Long-term disability | PRINCIPAL LIFE INSRUANCE COMPANY | 384 | $112K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 371 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.