| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON SCOTT BRICKWEG3 | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | $109K | — | $109K | 1.69% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | $87K | — | $87K | 1.36% |
| BRANDON SCOTT BRICKWEG3 | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | — | $46K | $46K | 0.72% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | — | $30K | $30K | 0.47% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | — | $23K | $23K | 0.36% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | $160K | — | $160K | 2.57% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | — | $61K | $61K | 0.98% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | — | $30K | $30K | 0.48% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | — | $23K | $23K | 0.37% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | $11K | — | $11K | 0.17% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 28117 | VISION SERVICE PLAN | $14K | — | $14K | 1.00% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 N. TRYON STREET SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290K | — | $290K | 21.36% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.39% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.24% |
| GRANT R EWING3 | 1348 VALHALLA DRIVE DENVER, NC 28037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.13% |
| TERRI G MOOSE3 | 135 GROWNE CHASE DRIVE APT 3 WINSTON-SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATESERVICES (SE),INC. | ATTN PHYLLIS PHILEMON 1901 ROXBOROUGHRD STE 300 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| JOHN D HELTON3 | 102 RIDGE DRIVE MOUNTHOLLY, NC 28120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $897 | — | $897 | 0.07% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $876 | — | $876 | 0.06% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $605 | — | $605 | 0.04% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $598 | — | $598 | 0.04% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 2461 W STATE RD 426 STE 2061 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $515 | — | $515 | 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 | $515 | — | $515 | 0.04% |
| MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | — | $498 | 0.04% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | — | $466 | 0.03% |
| DEBORAH A WITHEY3 | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.01% |
| BRANDON SCOTT BRICKWEG3 | 118 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSUARNCE CO. | $46K | — | $46K | 10.37% |
| 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 | $65K | — | $65K | 27.63% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS, INC | 6115 PARK SOUTH DRIVE STE 330 CHARLOTTE, NC 28202 | HYATT LEGAL PLANS | $9K | — | $9K | 6.62% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS, INC | 6115 PARK SOUTH DRIVE STE 330 CHARLOTTE, NC 28210 | HYATT LEGAL PLANS | $6K | — | $6K | 4.49% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE, GASTON | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $29K | — | $29K | 25.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 14.83% |
| 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 | 1.81% |
| BRICKWEG, BRANDON S3 Filed as: BRICKWEG, BRANDON, S | 138 WASHAM RD MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $822 | $280 | $1K | 1.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $584 | $4K | 7.83% |
| BRICKWEG, BRANDON S3 Filed as: BRICKWEG, BRANDON, S | 138 WASHAM RD MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $814 | $3K | 6.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $511 | $511 | 0.98% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $409 | $2K | 3.24% |
| ASCRAFT, BLAIR W3 | STE400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $25 | $90 | 3.10% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $29 | $199 | 10.47% |
| 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 | — | $35 | $35 | 1.84% |
| BRICKWEG, BRANDON S3 Filed as: BRICKWEG, BRANDON, S | 138 WASHAM RD MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $20 | $213 | 13.87% |
| 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 | — | $24 | $24 | 1.56% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $8 | $34 | 3.31% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 2.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 8.04% |
| 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 | — | $5 | $5 | 1.34% |
| ASHCRAFT, BLAIR, W3 | STE 400 6000 FAIRVIEW RD CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PROVIDES ADMINSTRATION | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $5.7M |
| CIGNA BEHAVIORAL HEALTH, INC EIN 41-1648670 CIGNA BEHAVIORAL HEALTH, | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $57K |
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 | 13,343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 315 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSUARNCE CO. | 970 | $448K |
| Vision | VISION SERVICE PLAN | 9,726 | $1.4M |
| Life insurance(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 21,440 | $13.4M |
| Short-term disability(5 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 169 | $181K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE CO. | 21,440 | $12.6M |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 21,440 | $14.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,440 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.