| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | FIRSTCAROLINACARE INSURANCE COMPANY | $61K | — | $61K | 3.00% |
| JACK FICKLIN3 | PO BOX 1568 LAURINBURG, NC 28353 | FIRSTCAROLINACARE INSURANCE COMPANY | $30K | — | $30K | 1.50% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERITAS LIFE INSURANCE CORP | $17K | $1K | $18K | 7.29% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 467 BIG POPLAR CT LELAND, NC 28451 | AFLAC | $12K | $436 | $12K | 13.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $836 | $18 | $854 | 0.96% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $666 | — | $666 | 0.75% |
| LUCY DIANE BAKER3 | 6025 AMOS SMITH ROAD CHARLOTTE, NC 28214 | AFLAC | $650 | — | $650 | 0.73% |
| KATHERINE RENN3 Filed as: KATHERINE E RENN | 5006 PORTSIDE DR SOUTHPORT, NC 28461 | AFLAC | $645 | — | $645 | 0.72% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $432 | $55 | $487 | 0.55% |
| DAVID G BAKER3 | 3625 WINDBLUFF DRIVE CHARLOTTE, NC 28277 | AFLAC | $484 | — | $484 | 0.54% |
| CELIA P SPENCER3 | 705 WINDSOR DR SE LELAND, NC 28451 | AFLAC | $450 | — | $450 | 0.51% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 2002 EASTWOOD RD STE 301 WILMINGTON, NC 28403 | AFLAC | $338 | $55 | $393 | 0.44% |
| MARY LARONDE3 Filed as: MARY J LARONDE | 16009 VIRGINIA LEE CT FORT MILL, SC 29708 | AFLAC | $210 | — | $210 | 0.24% |
| GLENN H CARTER3 | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $189 | — | $189 | 0.21% |
| MIGUEL A IRIZARRY3 | 209 WENDOVER LN WILMINGTON, NC 28411 | AFLAC | $149 | — | $149 | 0.17% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $142 | — | $142 | 0.16% |
| GARY W GREENE3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | AFLAC | $106 | $18 | $124 | 0.14% |
| GARY PRESSNELL3 Filed as: GARY D PRESSNELL | 1032 SEVEN LAKE N WEST END, NC 27376 | AFLAC | $109 | — | $109 | 0.12% |
| CATHERINE L LEE3 | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $95 | — | $95 | 0.11% |
| ANTHONY WRIGHT3 | 467 BIG POPLAR CT LELAND, NC 28451 | AFLAC | $88 | — | $88 | 0.10% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $86 | — | $86 | 0.10% |
| CAROLINE MUNZING3 | 1231 WATAUGA ST RALEIGH, NC 27604 | AFLAC | $62 | — | $62 | 0.07% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $54 | — | $54 | 0.06% |
| FRANCES SANDRA BOND3 | 480 HOLLY SPRINGS CHURCH RD INMAN, SC 29349 | AFLAC | $34 | — | $34 | 0.04% |
| PATRICIA G EMMART3 | 99 AQUA VISTA DRIVE WILMINGTON, NC 28409 | AFLAC | $21 | — | $21 | 0.02% |
| NICHOLAS A OGDEN3 | 122 YORKSHIRE LANE WILMINGTON, NC 28412 | AFLAC | $14 | — | $14 | 0.02% |
| MISTY EMMART3 Filed as: MISTY C EMMART | PO BOX 3356 WILMINGTON, NC 28406 | AFLAC | $10 | — | $10 | 0.01% |
| SYLVESTER SMITH SR3 | 3804 WORTHDALE DRIVE CASTLE HAYNE, NC 28429 | AFLAC | $8 | — | $8 | 0.01% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $8 | — | $8 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1119 2ND ST NE HICKORY, NC 28601 | AFLAC | — | — | $0 | 0.00% |
| PAULA BREWER3 | 5717 PORTERFIELD RD BROWN SUMMIT, NC 27214 | AFLAC | — | — | $0 | 0.00% |
| BRANDON HARVEY3 | PO BOX 8845 GREENSBORO, NC 27419 | AFLAC | — | — | $0 | 0.00% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 3300 BATTLEGROUND AVE STE 206 GREENSBORO, NC 27410 | AFLAC | — | — | $0 | 0.00% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN T BLACK | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | — | — | $0 | 0.00% |
| QUINTIN A SAWYERS3 | 4443 FLAGSHIP AVE SE SOUTHPORT, NC 28461 | AFLAC | — | — | $0 | 0.00% |
| INDIA M WINBORNE3 | 4412 JASMINE COVE WAY WILMINGTON, NC 28412 | AFLAC | — | — | $0 | 0.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| ERIC A RITTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE | $90 | — | $90 | 2.84% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE | $25 | — | $25 | 0.79% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE | $24 | — | $24 | 0.76% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE | $17 | — | $17 | 0.54% |
| STEPHANIE PRICE3 Filed as: STEPHANIE STULL | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE | $1 | — | $1 | 0.03% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $273 | — | $273 | 10.00% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FIRSTCAROLINACARE INSURANCE COMPANY | 382 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORP | 508 | $252K |
| Vision | AMERITAS LIFE INSURANCE CORP | 508 | $252K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $63K |
| Prescription drug | FIRSTCAROLINACARE INSURANCE COMPANY | 382 | $2.0M |
| Other(3 contracts, 2 carriers) | AFLAC | 333 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.