| 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 | $0 | $19K | 9.81% |
| JOCELYNE GERVAIS-FINNEY3 | 1011 RED HAT LANE DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 4.53% |
| GWENDOLYN BAILEY3 | 4956 TUCKAHOE TRACE WAKE FOREST, NC 27587 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.59% |
| JENNIE WALKER STILLS3 Filed as: JENNIE W STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $714 | $0 | $714 | 0.36% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $551 | $0 | $551 | 0.28% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $486 | $0 | $486 | 0.25% |
| LARRY A WESTON JR3 | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | $0 | $415 | 0.21% |
| WILLIAM L BAKER IV3 | 10716 MARTHA'S WAY RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | $0 | $409 | 0.21% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $396 | $0 | $396 | 0.20% |
| ORMOND O SHAW3 | 2310 S MINMI BLVD DURHAM, NC 27703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 0.13% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | $0 | $247 | 0.13% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA L GARRETT | 205 RIVER FALLS DR APEX, NC 27539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | $0 | $219 | 0.11% |
| CHERYL OLSEN3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | $0 | $143 | 0.07% |
| JOCELYNE GERVAIS-FINNEY3 | 5875 FLINTOCK CT HICKORY, NC 286019474 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.05% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.03% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.02% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.02% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.02% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| LAUREN E SKINNER3 | 204 E. ARLINGON BLVD. SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| CATHERINE L ROBERTS3 | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| GARY W GREENE3 | 1609 WEST ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| JOSEPH E PHILLIPS3 | 3101 N ALEXANDER ST CHARLOTTE, NC 28205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| DEBORAH A WITHEY3 | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| LARA K GRANDE3 | 204 E ARLINGTON BLVD, UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GAGE BENEFIT ADVISORS, INC.3 | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.77% |
| GAGE BENEFIT ADVISORS, INC.3 | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| 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 | $108K |
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 | 484 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $134K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 579 | $197K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $134K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.