| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY V. ESTEP3 | PO BOX 2263 WILMINGTON, NC 28402 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $72K | — | $72K | 3.62% |
| JACK FICKLIN3 | PO BOX 1568 LAURINBURG, NC 28353 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | — | — | $0 | 0.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERITAS LIFE INSURANCE CORP | $16K | $1K | $17K | 7.54% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 467 BIG POPLAR CT LELAND, NC 28451 | AFLAC | $8K | $432 | $8K | 11.51% |
| MIGUEL A IRIZARRY3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $559 | $6 | $565 | 0.80% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $490 | — | $490 | 0.70% |
| CATHERINE L LEE3 | 700 S HARBOR ISLAND BLVD TAMPA, FL 33602 | AFLAC | $482 | $6 | $488 | 0.69% |
| LUCY DIANE BAKER3 | 15402 QUIET WAY CT CHARLOTTE, NC 28278 | AFLAC | $453 | — | $453 | 0.64% |
| KATHERINE RENN3 Filed as: KATHERINE E RENN | 5006 PORTSIDE DR SOUTHPORT, NC 28461 | AFLAC | $396 | — | $396 | 0.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $254 | $70 | $324 | 0.46% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $293 | — | $293 | 0.42% |
| MIGUEL A IRIZARRY3 | 209 WENDOVER LN WILMINGTON, NC 28411 | AFLAC | $273 | — | $273 | 0.39% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $244 | — | $244 | 0.35% |
| KIMBERLY W HATCH3 | 1028 CORDGRASS LN LELAND, NC 28451 | AFLAC | $150 | — | $150 | 0.21% |
| MARY LARONDE3 Filed as: MARY J LARONDE | 2904 W CORNWALLIS DR GRREENSBORO, NC 27408 | AFLAC | $145 | — | $145 | 0.21% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $140 | — | $140 | 0.20% |
| GLENN H CARTER3 | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $115 | — | $115 | 0.16% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $110 | — | $110 | 0.16% |
| GARY PRESSNELL3 Filed as: GARY D PRESSNELL | 940 LINDEN RD UNIT 9 PINEHURST, NC 28374 | AFLAC | $99 | — | $99 | 0.14% |
| CATHERINE L LEE3 | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $58 | — | $58 | 0.08% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906ERCHANT LEE PL MANAKIN, VA 23103 | AFLAC | $50 | — | $50 | 0.07% |
| VELMA EVERSON3 | 925 WORDSWORTH DR WILMINGTON, NC 28405 | AFLAC | $47 | — | $47 | 0.07% |
| CAROLINE CHARBONNET3 | 1231 WATAUGA ST RALEIGH, NC 27604 | AFLAC | $40 | — | $40 | 0.06% |
| FRANCIS BOND3 Filed as: FRANCIS SANDRE BOND | 480 HOLLY SPRIGS CHURCH RD INMAN, SC 29349 | AFLAC | $33 | — | $33 | 0.05% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $32 | — | $32 | 0.05% |
| TERRY WEAVER3 | 213 FOREST HILLS DR WILMINGTON, NC 28403 | AFLAC | $24 | — | $24 | 0.03% |
| GARY W GREENE3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | AFLAC | $24 | — | $24 | 0.03% |
| LISA M MUSTO3 | 3707 COUNTRY CLUB DR MOREHEAD CITY, NC 28557 | AFLAC | $17 | — | $17 | 0.02% |
| PATRICIA G EMMART3 | 99 AQUA VISTA DRIVE WILMINGTON, NC 28409 | AFLAC | $16 | — | $16 | 0.02% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD RD NIGHTDALE, NC 28409 | AFLAC | $12 | — | $12 | 0.02% |
| NICHOLAS A OGDEN3 | 122 YORKSHIRE LANE WILMINGTON, NC 28412 | AFLAC | $10 | — | $10 | 0.01% |
| MISTY EMMART3 Filed as: MISTY C EMMART | PO BOX 3356 WILMINGTON, NC 28406 | AFLAC | $8 | — | $8 | 0.01% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $8 | — | $8 | 0.01% |
| LAUREN E SKINNER | 1024 MOCKINGBIRD DR RALEIGH, NC 27615 | AFLAC | $6 | — | $6 | 0.01% |
| JILL R LAMBERT Filed as: JILL W DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $5 | — | $5 | 0.01% |
| GORDON K VANN | 2158 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $4 | — | $4 | 0.01% |
| ANOTHONY WRIGHT | 467IG POPULAR CT NE LELAND, NC 28451 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN M SMITH | 6207 BIRKDALE VALLEY DR APT 427 CHARLOTTE, NC 28227 | AFLAC | $4 | — | $4 | 0.01% |
| K EARL ABERNETHY | 2002 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHEN STRICKLAND3 Filed as: STEPHEN STRICLAND | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $2 | — | $2 | 0.00% |
| TERRY WEAVER | 102 RIDGE RD HAMPSTEAD, NC 28443 | AFLAC | $2 | — | $2 | 0.00% |
| JANE W BARNHILL | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $2 | — | $2 | 0.00% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLAN, VA 23099 | AFLAC | $1 | — | $1 | 0.00% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 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 | $7K | — | $7K | 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 | $9K | — | $9K | 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 | $322 | — | $322 | 9.56% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE | $260 | — | $260 | 7.72% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE | $112 | — | $112 | 3.33% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE | $20 | — | $20 | 0.59% |
| STEPHANIE PRICE3 Filed as: STEPHANIE STULL | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE | $19 | — | $19 | 0.56% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $301 | — | $301 | 9.99% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 333 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORP | 382 | $230K |
| Vision | AMERITAS LIFE INSURANCE CORP | 382 | $230K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 333 | $2.0M |
| Other(3 contracts, 2 carriers) | AFLAC | 177 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.