| 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 | 1.19% |
| GAGE BENEFIT ADVISORS, INC.3 | 2101 ARNOLD DR, SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 6.89% |
| JOCELYNE GERVAIS-FINNEY3 | 5875 FLINTOCK CT HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.70% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 3100 BLUFF LN, APT 1316 HILLSBOROUGH, NC 27578 | CONTINENTAL AMERICAN INSURANCE COMPANY | $711 | $0 | $711 | 0.70% |
| MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | $0 | $238 | 0.23% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | $0 | $238 | 0.23% |
| DENISE KRAFT CASEY3 Filed as: DENISE K CASEY | 7315 GOLD MINE RD CHAPEL HILL, NC 27516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | $0 | $180 | 0.18% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTER'S LANE GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | $0 | $157 | 0.15% |
| WILLIAM L BAKER IV3 | 10716 MARTHAS WAY SUITE 205 RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | $0 | $151 | 0.15% |
| RYAN SCOTT SHADEL3 Filed as: RYAN SHADEL | 126 HOPKINS ST, APT 1316 NEPTUNE BEACH, FL 32266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | $0 | $132 | 0.13% |
| CHERYL OLSEN3 | 617 BLUE POINT DR WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.10% |
| GWENDOLYN BAILEY3 | 4956 TUCKAHOE TRACE WAKE FOREST, NC 27587 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | $0 | $77 | 0.08% |
| TITUS R HUNT3 | 2995 MABEL TRL BOONVILLE, NC 270118573 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.07% |
| TEATORS INS PROTECTION SERVICES3 | 519 SHERWOOD FOREST PLACE FUQUAY VARINA, NC 275265650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.06% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.06% |
| AARON FOGLE3 | 5070 NC HWY 902 PITTSBORO, NC 27312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.04% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 2 GLENMORE DRIVE DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.02% |
| JENNIE WALKER STILLS3 Filed as: JENNIE W STILLS | 501 CLEAR WOOD CT WAXHAW, NC 28173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 149 MALIBU RD MOORESVILLE, NC 28117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.02% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| JEREMY M HASKELL3 | 3265 SE 21ST AVE, SUITE 228 OCALA, FL 344716179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| CATHERINE L ROBERTS3 | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| LAUREN E SKINNER3 | 700 SWAN NECK LN, SUITE C RALEIGH, NC 27615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| BENJAMIN MACKEY3 Filed as: BENJAMIN J MACKEY | 626 CHALCEDONY COURT DURHAM, NC 27703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| ORMOND O SHAW3 | 2310 S MINMI BLVD DURHAM, NC 27703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROBERT A BROWN | 4000 OSSI CT, SUITE 211 HIGH POINT, NC 27265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| BRENDA LYNN GARRETT3 Filed as: BRENDA L GARRETT | 205 RIVER FALLS DR APEX, NC 27539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| 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 | $2 | $0 | $2 | 0.00% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD, UNIT C FRANKLIN, TN 370644865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GAGE BENEFIT ADVISORS, INC.3 | 2101 ARNOLD DR CHARLOTTE, NC 28205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $348 | $0 | $348 | 0.67% |
| GASTON H GAGE JR3 Filed as: GASTON H GAGE | 124 N MCDOWELL ST CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $510 | $0 | $510 | 1.22% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $503 | $0 | $503 | 1.20% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LANE DURHAM, NC 27713 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.28% |
| FIRST SOUTHEAST INSURANCE SERVICES3 | PO BOX 939 BURLINGTON, NC 27216 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.15% |
| JOCELYNE GERVAIS3 | 1526 E FRANKLIN ST CHAPEL HILL, NC 27514 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.09% |
| 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 | $147K |
| 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 | 516 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 516 | 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 | 501 | $178K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 179 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 501 | $136K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 501 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.