| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | $184K | — | $184K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | — | $36K | $36K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | — | $36K | $36K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | — | $32K | $32K | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | — | $23K | $23K | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | — | $9K | $9K | 0.12% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS INC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $661K | — | $661K | 28.50% |
| GAGE BENEFIT ADVISORS, INC.3 | 525 N.TRYON STREET SUITE 1800 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73K | — | $73K | 3.16% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.16% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.11% |
| GRANT R EWING3 | 1348 VALHALLA DRIVE DENVER, NC 28037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.06% |
| TERRI G MOOSE3 | 135 GROWNE CHASE DRIVE WINSTON SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.05% |
| JOHN D HELTON3 | 102 RIDGE DRIVE MOUTN HOLLY, NC 28120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $695 | — | $695 | 0.03% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | — | $498 | 0.02% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOXRIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $461 | — | $461 | 0.02% |
| ERIC MILLER3 | 6631 FOXRIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $458 | — | $458 | 0.02% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 4116 LAKEUNDERHILL RD APT 2018 ORLANDA, FL 32808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | — | $420 | 0.02% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 204 S 35TH ST STE 100 COUNCIL BLUFFS, IA 51501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | — | $420 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | ATTN PHYLLIS PHILEMON 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | — | $375 | 0.02% |
| MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 0.01% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | — | $269 | 0.01% |
| DEBORAH A WITHEY3 | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 321 N CLARK ST STE 940 CHICAGO, IL 60654 | VISION SERVICE PLAN | $9K | — | $9K | 0.71% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | — | VISION SERVICE PLAN | $6K | — | $6K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | LLC 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO | $43K | — | $43K | 8.30% |
| 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 | $35K | — | $35K | 13.26% |
| GASTON H GAGE JR3 Filed as: GASTON GAGE | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.63% |
| 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 | $7K | — | $7K | 8.76% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.52% |
| BRANDON S BRICKWEG3 | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $897 | — | $897 | 1.09% |
| 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 | — | $3K | 4.60% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.44% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $381 | $381 | 0.61% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.13% |
| 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 | — | $1K | 2.41% |
| BLAIR W ASHCRAFT3 Filed as: BLAIR ASHCRAFT | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.28% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC | 124 N MCDOWELL STREET CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 24.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH DR STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $418 | — | $418 | 2.74% |
| NFP INSURANCE SERVICES INC3 | BLDG2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $24 | $24 | 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 | $307 | — | $307 | 6.05% |
| BRANDON S BRICKWEG3 | 144 HEATHLAND LN MOORESVILLE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 2.23% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $50 | $50 | 0.98% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 2.50% |
| 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 | $88 | — | $88 | 2.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 312 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 5.16% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.71% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $15 | $15 | 0.59% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 1.99% |
| 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 | $37 | — | $37 | 1.99% |
| 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 | $35 | — | $35 | 7.22% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5 | $5 | 1.03% |
| BLAIR W ASHCRAFT3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMIN AND SERVICES | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | — | $6.0M |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 ADMIN OF EAP | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $214K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $43K |
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 | 15,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 310 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 15,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 1,083 | $524K |
| Vision | VISION SERVICE PLAN | 11,297 | $1.3M |
| Life insurance(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 16,578 | $8.1M |
| Long-term disability | AETNA LIFE INSURANCE CO | 16,578 | $7.2M |
| Other(12 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 16,578 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,578 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.