| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS | 6115 PARK SOUTH DRIVE CHARLOTTE, NC 28205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $3K | $17K | 5.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $0 | $16K | 5.28% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | $13K | $36 | $13K | 8.58% |
| GAGE BENEFIT ADVISORS, INC.3 | 124 NORTH MCDOWELL STREET CHARLOTTE, NC 28204 | SYMETRA LIFE INSURANCE COMPANY | $10K | $2K | $11K | 7.72% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | SYMETRA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.06% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS | 6115 PARK SOUTH DRIVE CHARLOTTE, NC 28205 | COMBINED INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 36.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | COMMUNITY EYE CARE | $3K | $0 | $3K | 5.31% |
| THE VAN DYKE GROUP3 Filed as: THE VAN DYKE GROUP, INC. | UNKNOWN CHARLOTTE, NC 28277 | AMERICAN UNITED LIFE INSURANCE COMPANY | $488 | $0 | $488 | 13.51% |
No Schedule C service providers reported on this filing.
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,110 | $221K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 624 | $308K |
| Vision | COMMUNITY EYE CARE | 805 | $65K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 460 | $4K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 460 | $4K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 460 | $4K |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 196 | $149K |
| Other(3 contracts, 3 carriers) | TELADOC HEALTH, INC. | 3,110 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,110 | — |
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.