| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GASTON H GAGE JR3 Filed as: GASTON GAGE JR | 2101 ARNOLD DRIVE CHARLOTTE, NC 28205 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $61K | — | $61K | 12.49% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | STE 300 CHARLOTTE, NC 28210 | 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 | $542 | — | $542 | 15.01% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $350 | — | $350 | 10.80% |
| GAGE BENEFIT ADVISORS, INC.3 | 2101 ARNOLD DRIVE CHARLOTTE, NC 28205 | COMMUNITY EYE CARE A VSP COMPANY | $219 | — | $219 | 10.01% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $97 | — | $97 | 15.04% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | 124 N. MCDOWELL STREET CHARLOTTE, NC 28204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45 | — | $45 | 15.15% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 23 | $490K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 23 | $490K |
| Vision | COMMUNITY EYE CARE A VSP COMPANY | 12 | $2K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $3K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 54 | $16K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 23 | $490K |
| Other(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 94 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.