| 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 | $13K | $0 | $13K | 6.36% |
| JOCELYNE GERVAIS-FINNEY3 | 1011 RED HAT LANE DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.47% |
| GWENDOLYN BAILEY3 | 4956 TUCKAHOE TRACE WAKE FOREST, NC 27587 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.94% |
| ORMOND O SHAW3 | 2310 S MINMI BLVD DURHAM, NC 27703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $495 | $0 | $495 | 0.25% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $440 | $0 | $440 | 0.22% |
| LARRY A WESTON JR3 | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | $0 | $433 | 0.22% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA L GARRETT | 205 RIVER FALLS DR APEX, NC 27539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 0.14% |
| WILLIAM L BAKER IV3 | 10716 MARTHA'S WAY RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | $0 | $219 | 0.11% |
| JENNIE WALKER STILLS3 Filed as: JENNIE W STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 0.11% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | $0 | $216 | 0.11% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | $0 | $147 | 0.07% |
| CHERYL OLSEN3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | $0 | $130 | 0.07% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | $0 | $128 | 0.06% |
| JOCELYNE GERVAIS-FINNEY3 | 5875 FLINTOCK CT HICKORY, NC 286019474 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.02% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.02% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.02% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.02% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.01% |
| LAUREN E SKINNER3 | 204 E. ARLINGON BLVD. SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.01% |
| CATHERINE L ROBERTS3 | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.01% |
| GARY W GREENE3 | 1609 WEST ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| DEBORAH A WITHEY3 | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 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.0 | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 6.56% |
| GAGE BENEFIT ADVISORS, INC.3 | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.00% |
| GASTON H GAGE JR3 Filed as: GASTON H GAGE | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $746 | $0 | $746 | 1.69% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $515 | $0 | $515 | 1.17% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LANE DURHAM, NC 27713 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 0.46% |
| FIRST SOUTHEAST INSURANCE SERVICES3 | PO BOX 939 BURLINGTON, NC 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.16% |
| JOCELYNE GERVAIS3 | 1526 E FRANKLIN ST CHAPEL HILL, NC 27514 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.12% |
| 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 | $165K |
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 | 528 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 528 | 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 | 496 | $156K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 579 | $197K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $111K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $180K |
| 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.