| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS, INC | 1932 WYNNTON RD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE | $651K | — | $651K | 25.18% |
| JOHN MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE | $2K | — | $2K | 0.09% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE | $2K | — | $2K | 0.06% |
| GRANT R EWING3 Filed as: GRANT EWING | 1348 VALHALL DRIVE DENVER, NC 28037 | CONTINENTAL AMERICAN INSURANCE | $779 | — | $779 | 0.03% |
| TERRI G MOOSE3 Filed as: TERRI MOOSE | 135 GROWNE CHASE DRIVE WINSTON-SALEM, NC 27104 | CONTINENTAL AMERICAN INSURANCE | $594 | — | $594 | 0.02% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE | $288 | — | $288 | 0.01% |
| JOHN D HELTON3 | 102 RIDGE DRIVE MOUNT HOLLY, NC 28120 | CONTINENTAL AMERICAN INSURANCE | $275 | — | $275 | 0.01% |
| MEGHAN MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE | $248 | — | $248 | 0.01% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE | $247 | — | $247 | 0.01% |
| DENA JORDAN3 | 4116 LAKE UNDERHILL RD APT 208 ORLANDO, FL 32808 | CONTINENTAL AMERICAN INSURANCE | $232 | — | $232 | 0.01% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 204 S 35TH STREET STE #100 COUNCIL BLUFFS, IA 51501 | CONTINENTAL AMERICAN INSURANCE | $232 | — | $232 | 0.01% |
| MIKE BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE | $183 | — | $183 | 0.01% |
| KATRINA D AIKEN3 | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE | $155 | — | $155 | 0.01% |
| DEBORAH A WITHEY3 Filed as: DEBORAH WHITLEY | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE | $29 | — | $29 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE | $8 | — | $8 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $42K | $111K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 75 STATE ST STE 1710 BOSTON, MA 02109 | VISION SERVICE PLAN | $13K | — | $13K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INUSRANCE CO. | $64K | — | $64K | 8.47% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISOR | 1932 WYNNTON RD COLUMBUS, GA 31999 | TRANSAMERICA LIFE INSURANCE COMPANY | $493K | — | $493K | 87.27% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFITS ADVISORS INC | 525 N TRYON ST STE 1800 CHARLOTTE, NC 28202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | 6.55% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS | ATTN RICKY ELSEY 1932 WYNNTON RD COLUMBUS, GA 31999 | MET LIFE LEGAL PLANS, INC | $23K | — | $23K | 9.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 8.02% |
| BRICKWEG, BRANDON S3 Filed as: BRICKWEG, BRANDON S. | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $331 | $2K | 2.97% |
| SASHCRAFT, BLAIR W.3 | STR 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| NGP CORPORATE SERVICES (SE) INC3 | 1901 ROXBOROUGH RD STE315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BRICKWEG, BRANDON S3 | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE, (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 0.53% |
| ASHCRAFT, BLAIR, W3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $930 | — | $930 | 2.44% |
| ASHCRAFT, BLAIR, W3 Filed as: ASHCRAFT, BLAIR W | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $874 | — | $874 | 2.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 4.57% |
| BRICKWEG, BRANDON S3 | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 2.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXGOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.70% |
| ASHCRAFT, BLAIR, W3 Filed as: ASHCRAFT, BLAIR W | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.12% |
| BLAIR W ASHCRAFT3 Filed as: BLAIR W. ASHCRAFT | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | STE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCY COMPANY | $113 | — | $113 | 4.65% |
| BRICKWEG, BRANDON S3 | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCY COMPANY | $59 | — | $59 | 2.43% |
| ASHCRAFT, BLAIR, W3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 1.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 1.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 8.60% |
| BRANDON S BRICKWEG3 Filed as: BRANDON S. BRICKWEG | 144 HEALTHLAND LN MOORESEVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CIGNA CLAIM ADMIN | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $5.9M |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 ADMIN OF EAP | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $225K |
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 | 16,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,367 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INUSRANCE CO. | 1,093 | $753K |
| Dental | AETNA LIFE INUSRANCE CO. | 1,093 | $753K |
| Vision | VISION SERVICE PLAN | 11,717 | $1.6M |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,402 | $3.8M |
| Other(12 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE | 19,402 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,402 | — |
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.