| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAGE BENEFIT ADVISORS, INC.3 | 525 N. TRYON STREET, SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 11.09% |
| JOCELYNE GERVAIS3 | 2530 MERIDIAN PKWY, SUITE 300 DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 6.79% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | — | $717 | 0.41% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM L. BAKER IV | 8405 KEMPTON ROAD RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $598 | — | $598 | 0.34% |
| JENNIE WALKER STILLS3 Filed as: JENNIE W. STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $586 | — | $586 | 0.33% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $506 | — | $506 | 0.29% |
| LARRY A WESTON JR3 Filed as: LARRY A. WESTON JR | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | — | $494 | 0.28% |
| JONATHAN P DUNN3 Filed as: JONATHAN P. DUNN | 505 N CHURCH STREET CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $316 | — | $316 | 0.18% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | — | $305 | 0.17% |
| GWENDOLYN BAILEY3 | 4956 TUCKAHOE TRACE WAKE FOREST, NC 27587 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.10% |
| CHERYL OLSEN3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.08% |
| JILL R LAMBERT3 Filed as: JILL W. DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 725 COPPERLINE DRIVE GARNER, NC 27529 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| GORDON K VANN3 Filed as: GORDON K. VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| LAUREN E SKINNER3 Filed as: LAUREN E. SKINNER | 204 E. ARLINGON BLVD. SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| CATHERINE L ROBERTS3 Filed as: CATHERINE LEE ROBERTS | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| GARY W GREENE3 Filed as: GARY W. GREENE | 1609 WEST ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| KATRINA D AIKEN3 Filed as: KATRINA D. AIKEN | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DEBORAH A WITHEY3 Filed as: DEBORAH A. WITHEY | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CATHERINE L LEE3 Filed as: CATHERINE L. LEE | 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 | $0 | — | $0 | 0.00% |
| GAGE BENEFIT ADVISORS, INC.3 | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.18% |
| 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 | $125K |
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 | 403 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 456 | $114K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 539 | $176K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 456 | $114K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 456 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.