| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON SCOTT BRICKWEG3 Filed as: BRANDON SCOTT BRICKWEG 144 | HEATHLOAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | $157K | — | $157K | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | — | $25K | $25K | 0.38% |
| BRANDON SCOTT BRICKWEG3 Filed as: BRANDON SCOTT BRICKWEG 144 | HEATHLOAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | — | $25K | $25K | 0.38% |
| BRANDON SCOTT BRICKWEG3 Filed as: BRANDON SCOTT BRICKWEG 144 | HEATHLOAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | — | $25K | $25K | 0.37% |
| BRANDON SCOTT BRICKWEG3 Filed as: BRANDON SCOTT BRICKWEG 144 | HEATHLOAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO | — | $25K | $25K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | $9K | — | $9K | 0.13% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 525 N TRYON STREET SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275K | — | $275K | 16.06% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 0.90% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.28% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.28% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.18% |
| GRANT R EWING3 | 1348 VALHALLA DRIVE DENVER, NC 28037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.10% |
| TERRI G MOOSE3 | 135 GROWNE CHASE DRIVE APT 3 WINSTON SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| TERRI G MOOSE3 | 135 GROWNE CHASE DRIVE APT 3 WINSTON SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| JOHN D HELTON3 | 102 RIDGE DRIVE MOUNT HOLLY, NC 28120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $845 | — | $845 | 0.05% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $660 | — | $660 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | ATTN PHYLLIS PHILEMON 1901 ROXBOROUGH RD STE CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | — | $623 | 0.04% |
| MEGHAN MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $551 | — | $551 | 0.03% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRLCE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $546 | — | $546 | 0.03% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 2461 W STATE RD 426 STE 2061 OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 0.03% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 204 S 35TH STREET STE 100 COUNCIL BLUFFS, IA 51501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 0.03% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | — | $364 | 0.02% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | — | $364 | 0.02% |
| MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $352 | — | $352 | 0.02% |
| MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $352 | — | $352 | 0.02% |
| DEBORAH A WITHEY3 | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.00% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 28117 | VISION SERVICE PLAN | $14K | — | $14K | 1.00% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS | STE 330 6115 PARK SOUTH DR CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93K | $213 | $93K | 10.64% |
| KEN WILLARD ASSOCIATES INC3 | 3071 VISTAPOINT RD MIDLOTHIAN, VA 23113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 0.89% |
| CHARLES D. BLOCK3 Filed as: CHARLES BLOCK | UNIT 208 648 VILLAGE PARK DR WILLMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 0.88% |
| SANDRA D OZMENT3 Filed as: SANDRA OZMENT | 1608 OAK ST GREENSBORO, NC 27403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $801 | — | $801 | 0.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 3RD FLOOR 4500 FT JACKSON BLVD COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $569 | — | $569 | 0.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BLVD 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $534 | — | $534 | 0.06% |
| KENNETH WILLARD3 | 3071 VISTA POINT RD MIDLOTHIAN, VA 23113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.02% |
| JUDY HAENNI3 | 1103 PINE LAKES DR HARTSVILLE, SC 29550 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.01% |
| GASTON H GAGE JR3 Filed as: GASTON GAGE | STE 330 6115 PARK SOUTH DR CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| KENNETH WILLARD3 | 3071 VISTA POINT RD MIDLOTHIAN, VA 23113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BRANDON SCOTT BRICKWEG3 Filed as: BRANDON SCOTT BRICK WEG | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE CO. | $43K | — | $43K | 10.42% |
| 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 | $79K | — | $79K | 27.36% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 6115 PARK SOUTH DRIVE STE 330 CHARLOTTE, NC 28210 | HYATT LEGAL PLANS | $11K | — | $11K | 6.10% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFIT ADVISORS | 1932 WYNNTON RD COLUMBUS, GA 31999 | HYATT LEGAL PLANS | $8K | — | $8K | 4.30% |
| GASTON H GAGE JR3 Filed as: GASTON GAGE | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $30K | — | $30K | 22.33% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 6115 PARK SOUTH DRIVE STE 330 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $600 | $21K | 30.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH DR STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $137 | $2K | 3.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $132 | $132 | 0.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH DR STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13 | $13 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $348 | $2K | 6.03% |
| BRANDON S BRICKWEG3 | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.24% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $247 | $247 | 0.67% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $793 | — | $793 | 2.43% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $758 | — | $758 | 2.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $15 | $51 | 3.08% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 2.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $18 | $116 | 8.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $17 | $17 | 1.29% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $13 | $134 | 11.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $16 | $16 | 1.33% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 1.17% |
| BLAIR W ASHCRAFT3 Filed as: BLAIR ASHCRAFT | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $5 | $25 | 3.14% |
| BLAIR W ASHCRAFT3 Filed as: BLAIR ASHCRAFT | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 2.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $5.2M |
| CIGNA | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $0 |
| PACIFIC RESOURCES BENEFITS ADVISORS EIN 46-5438594 ADVISE TO PAY | 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 | 14,143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 290 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 14,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,401 | $416K |
| Vision | VISION SERVICE PLAN | 9,562 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 22,118 | $7.5M |
| Short-term disability | AETNA LIFE INSURANCE CO | 22,118 | $6.8M |
| Long-term disability | AETNA LIFE INSURANCE CO | 22,118 | $6.8M |
| Other(13 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 22,118 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,118 | — |
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.