| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GASTON H GAGE JR3 | 124 N MCDOWELL STREET CHARLOTTE, NC 28204 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $57K | — | $57K | 7.12% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | — | $579 | 9.67% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $150 | — | $150 | 15.02% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $83 | — | $83 | 14.90% |
No Schedule C service providers reported on this filing.
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 164 | $808K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 164 | $808K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $6K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $22K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 164 | $808K |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 164 | $819K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.