| 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 | $90K | — | $90K | 3.55% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | 2528 INDEPENDENCE BLVD STE 104 WILMINGTON, NC 28412 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 12.96% |
| SUSAN WRIGHT3 | 467 BIG POPLAR CT NE LELAND, NC 28451 | AFLAC | $11K | $269 | $11K | 14.41% |
| MIGUEL A IRIZARRY3 Filed as: MIGUEL IRIZARRY | 209 WENDOVER LN WILMINGTON, NC 28411 | AFLAC | $2K | $54 | $2K | 2.72% |
| LISA M MUSTO3 Filed as: LISA MUSTO | 3500 MASSEE LN COLUMBUS, GA 31909 | AFLAC | $1K | $23 | $2K | 1.99% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $377 | — | $377 | 0.49% |
| LUCY DIANE BAKER3 Filed as: LUCY BAKER | 1455 N. MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $317 | — | $317 | 0.41% |
| KATHERINE RENN3 | 5006 PORTSIDE DR SOUTHPORT, NC 28461 | AFLAC | $296 | — | $296 | 0.39% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 101 NUN ST WILMINGTON, NC 28401 | AFLAC | $217 | $31 | $248 | 0.32% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $214 | — | $214 | 0.28% |
| LARRY WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $194 | — | $194 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $162 | — | $162 | 0.21% |
| MATTHEW PINER3 | 100 S SMITHFIELD DR KNIGHTDALE, NC 27545 | AFLAC | $126 | — | $126 | 0.16% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $105 | — | $105 | 0.14% |
| GLENN H CARTER3 Filed as: GLENN CARTER | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $85 | — | $85 | 0.11% |
| GARY PRESSNELL3 | 38 GARDEN VILLA DR PINEHURST, NC 28374 | AFLAC | $78 | — | $78 | 0.10% |
| MARY LARONDE3 | 2904 W. CORNWALLIS DR GREENSBORO, NC 27408 | AFLAC | $47 | — | $47 | 0.06% |
| VELMA EVERSON | 926 WORDSWORTH DR WILMINGTON, NC 28405 | AFLAC | $47 | — | $47 | 0.06% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $40 | — | $40 | 0.05% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $35 | — | $35 | 0.05% |
| CAROLINE CHARBONNET3 | 1231 WATAUGA ST RALEIGH, NC 27604 | AFLAC | $27 | — | $27 | 0.04% |
| TROY WEAVER | 37 JENN RD BURGAW, NC 28425 | AFLAC | $26 | — | $26 | 0.03% |
| LAUREN E SKINNER Filed as: LAUREN SKINNER | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $24 | — | $24 | 0.03% |
| GARY GREENE3 | 1609 W ARLINGTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $24 | — | $24 | 0.03% |
| JILL DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $22 | — | $22 | 0.03% |
| FRANCIS BOND3 | 480 HOLLY SPRINGS CHURCH RD INMAN, SC 29349 | AFLAC | $17 | — | $17 | 0.02% |
| GORDON VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $17 | — | $17 | 0.02% |
| K ABERNETHY | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $16 | — | $16 | 0.02% |
| STEPHEN SMITH | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28227 | AFLAC | $13 | — | $13 | 0.02% |
| JANE W BARNHILL Filed as: JANE BARNHILL | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $8 | — | $8 | 0.01% |
| DONNA STRICKLAND3 | 345 RUBRUM DR HILLSBORO, NC 27278 | AFLAC | $6 | — | $6 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.01% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.01% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | 0.01% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.00% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $3 | — | $3 | 0.00% |
| MISTY EMMART3 | PO BOX 3356 WILMINGTON, NC 28406 | AFLAC | $1 | — | $1 | 0.00% |
| PATRICIA G EMMART3 Filed as: PATRICIA EMMART | 99 AQUA VISTA DRIVE WILMINGTON, NC 28409 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS A OGDEN3 Filed as: NICHOLAS OGDEN | 122 YORKSHIRE LANE WILMINGTON, NC 28409 | 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 | $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 | $8K | — | $8K | 15.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| ERIC A RITTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $352 | — | $352 | 2.63% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 0.83% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.50% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.45% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN-ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | USABLE LIFE | $912 | — | $912 | 25.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $182 | — | $182 | 4.99% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $278 | — | $278 | 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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 329 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $195K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $195K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 52 | $55K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 329 | $2.6M |
| Other(4 contracts, 3 carriers) | AFLAC | 281 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.