| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS, INC | 525 N. TRYON STREET SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272K | — | $272K | 16.88% |
| JOHN MIKE BUTLER3 | 1440-A OLD LENOIR ROAD NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 0.47% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.27% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.16% |
| GRANT R EWING3 | 138 VALHALLA DRIVE DENVER, NC 28037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.16% |
| TERRI G MOOSE3 | 135 GROWNE CHASE DRIVE APT 3 WINSTON-SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| JOHN D HELTON3 | 102 RIDGE DRIVE MOUNT HOLLY, NC 28120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| KATRINA D AIKEN3 Filed as: KATRINA D AIKER | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| MIKE BUTLER3 | 1440-A OLD LENOIR ROAD NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | ATTN PHYLLIS PHILEMON 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $913 | — | $913 | 0.06% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $869 | — | $869 | 0.05% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $858 | — | $858 | 0.05% |
| DENA JORDAN3 | 2461 W STATE RD 426 STE 2061 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | — | $690 | 0.04% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 204 S 35TH STREET STE #100 COUNCIL BLUFFS, IA 51501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | — | $690 | 0.04% |
| DEBORAH A WITHEY3 | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $480 | — | $480 | 0.03% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | $72K | — | $72K | 4.81% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | — | $30K | $30K | 2.02% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | $30K | — | $30K | 1.98% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | — | $30K | $30K | 1.96% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | — | $22K | $22K | 1.46% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | — | $7K | $7K | 0.49% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 138 WASHAM RD MOORESVILLE, NC 28117 | VISION SERVICE PLAN | $13K | — | $13K | 1.00% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 252 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67K | — | $67K | 8.61% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 1.08% |
| KEN WILLARD ASSOCIATES INC3 | 3071 VISTAPOINT RD MIDLOTHIAN, VA 23113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 0.96% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| JAMES W WARD3 | 4500 FT JACKSON BLVD 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| SANDRA D OZMENT3 | 1608 OAK ST GREENSBORO, NC 27403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $888 | — | $888 | 0.11% |
| KENNETH WILLARD3 Filed as: KENNETH H WILLARD | 3071 VISTA POINT RD MIDLOTHIAN, VA 23113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.02% |
| JUDY HAENNI3 Filed as: JUDY K HAENNI | 1103 PINE LAKES DR HARTSVILLE, SC 29550 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.01% |
| RONALD KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.00% |
| CATHERINE JASKO REDMON3 Filed as: CATHERINE JASKCO REDMON | 3497 EVERGREEN RD FRANKFORT, KY 40601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.00% |
| GASTON H GAGE JR3 Filed as: GASTON H GAGE | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.00% |
| KLEIMAN, RONALD3 | 4522 RFD LONG GROVE, IL 60047 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $33K | — | $33K | 6.88% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | $47K | — | $47K | 10.05% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $54K | — | $54K | 27.07% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS, INC | 525 N. TRYON ST. STE 1800 CHARLOTTE, NC 28202 | HYATT LEGAL PLANS | $12K | — | $12K | 11.44% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE, GASTON | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $25K | — | $25K | 23.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP, CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 14.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.87% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $924 | $22K | 39.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $126 | $3K | 4.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $164 | $164 | 0.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $37 | $37 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSUARNCE COMPANY | $1K | — | $1K | 2.46% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSUARNCE COMPANY | $1K | — | $1K | 2.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $571 | $571 | 1.22% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 2.23% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 2.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 7.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $38 | $38 | 1.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 12.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $22 | $22 | 1.63% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 2.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 2.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $5.3M |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMINISTER EAP | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $52K |
| CIGAN | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
| CIGNA | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 12,218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 274 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 998 | $464K |
| Vision | VISION SERVICE PLAN | 9,088 | $1.3M |
| Life insurance(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 19,002 | $2.8M |
| Long-term disability(7 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 19,002 | $1.7M |
| Other(6 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 19,002 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,002 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.