| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAGE BENEFIT ADVISORS, INC.3 | 6115 PARK SOUTH DR STE 330 CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $60K | — | $60K | 1.91% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LANE DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 8.36% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 N. TRYON STREET, SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 8.36% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $536 | — | $536 | 0.35% |
| LARRY A WESTON JR3 Filed as: LARRY A. WESTON JR | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $523 | — | $523 | 0.34% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | — | $373 | 0.24% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM L. BAKER IV | 8405 KEMPTON ROAD RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | — | $348 | 0.22% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.12% |
| CHERYL OLSEN3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.10% |
| JILL R LAMBERT3 Filed as: JILL W. DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.03% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 725 COPPERLINE DRIVE GARNER, NC 27529 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| GORDON K VANN3 Filed as: GORDON K. VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| LAUREN E SKINNER3 Filed as: LAUREN E. SKINNER | 204 E. ARLINGON BLVD. SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| CATHERINE L ROBERTS3 Filed as: CATHERINE LEE ROBERTS | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| GARY W GREENE3 Filed as: GARY W. GREENE | 1609 WEST ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| DEBORAH A WITHEY3 Filed as: DEBORAH A. WITHEY | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| 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 | 6115 PARK SOUTH DR STE 330 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Named fiduciary; Float revenue Service code 12 | — | $27K |
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 |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 736 | $3.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 736 | $3.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $98K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 471 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $98K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 736 | $3.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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.
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.