| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAGE BENEFIT ADVISORS, INC.3 | 2101 ARNOLD DR CHARLOTTE, NC 28205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.14% |
| GAGE BENEFIT ADVISORS, INC.3 | 2101 ARNOLD DR CHARLOTTE, NC 28205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $965 | $0 | $965 | 1.48% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 N. TRYON STREET, SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.02% |
| JOCELYNE GERVAIS-FINNEY3 | 5875 FLINTOCK CT HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.05% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | $0 | $201 | 0.34% |
| LARRY A WESTON JR3 | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | $0 | $201 | 0.34% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 0.23% |
| WILLIAM L BAKER IV3 | 10716 MARTHAS WAY SUITE 205 RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 0.23% |
| GWENDOLYN BAILEY3 | 4956 TUCKAHOE TRACE WAKE FOREST, NC 27587 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.17% |
| CHERYL OLSEN3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.14% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE CARY, NC 27513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.10% |
| JENNIE WALKER STILLS3 Filed as: JENNIE W STILLS | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.06% |
| ORMOND O SHAW3 | 2310 S MINMI BLVD DURHAM, NC 27703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.05% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.05% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.04% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA L GARRETT | 205 RIVER FALLS DR APEX, NC 27539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.03% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
| CATHERINE L ROBERTS3 | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| LAUREN E SKINNER3 | 204 E. ARLINGON BLVD. SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| DEBORAH A WITHEY3 | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GASTON H GAGE JR3 Filed as: GASTON H GAGE | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $650 | $0 | $650 | 1.47% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $511 | $0 | $511 | 1.16% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LANE DURHAM, NC 27713 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $0 | $169 | 0.38% |
| FIRST SOUTHEAST INSURANCE SERVICES3 | PO BOX 939 BURLINGTON, NC 27216 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.16% |
| JOCELYNE GERVAIS3 | 1526 E FRANKLIN ST CHAPEL HILL, NC 27514 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.11% |
| 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 | $136K |
| CATAPULT EIN 56-0670576 NONE | Contract Administrator Service code 13 | 3020 WEST ARROWOOD ROAD CHARLOTTE, NC 28273 | $9K |
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 | 518 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 518 | 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 | 517 | $181K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 201 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $137K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.