| 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 | $92K | — | $92K | 4.19% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | 2528 INDEPENDENCE BLVD STE 104 WILMINGTON, NC 28412 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 10.96% |
| SUSAN WRIGHT3 | 467 BIG POPLAR CT NE LELAND, NC 28451 | AFLAC | $5K | $561 | $6K | 8.86% |
| MIGUEL A IRIZARRY3 Filed as: MIGUEL IRIZARRY | 209 WENDOVER LN WILMINGTON, NC 28411 | AFLAC | $814 | $107 | $921 | 1.39% |
| LISA M MUSTO3 Filed as: LISA MUSTO | 3500 MASSEE LN COLUMBUS, GA 31909 | AFLAC | $317 | $107 | $424 | 0.64% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $331 | — | $331 | 0.50% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $310 | $5 | $315 | 0.48% |
| LUCY DIANE BAKER3 Filed as: LUCY BAKER | 1455 N. MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $272 | — | $272 | 0.41% |
| KATHERINE RENN3 | 5006 PORTSIDE DR SOUTHPORT, NC 28461 | AFLAC | $270 | — | $270 | 0.41% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $196 | — | $196 | 0.30% |
| THE DIAMOND AGENCY LLC3 | 1455 N MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $173 | $5 | $178 | 0.27% |
| LARRY WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $162 | — | $162 | 0.24% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 101 NUN ST WILMINGTON, NC 28401 | AFLAC | $121 | — | $121 | 0.18% |
| MATTHEW PINER3 | 100 S SMITHFIELD DR KNIGHTDALE, NC 27545 | AFLAC | $104 | — | $104 | 0.16% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $95 | — | $95 | 0.14% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $77 | — | $77 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $70 | — | $70 | 0.11% |
| GLENN H CARTER3 Filed as: GLENN CARTER | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $67 | — | $67 | 0.10% |
| GARY PRESSNELL3 | 38 GARDEN VILLA DR PINEHURST, NC 28374 | AFLAC | $66 | — | $66 | 0.10% |
| ERIC C DWIGGINS3 | 221 NORTHERN BLVD WILMINGTON, NC 28401 | AFLAC | $66 | — | $66 | 0.10% |
| MARY LARONDE3 | 4621 W 110TH AVE WESTMINSTER, CO 80031 | AFLAC | $47 | — | $47 | 0.07% |
| VELMA EVERSON | 926 WORDSWORTH DR WILMINGTON, NC 28405 | AFLAC | $47 | — | $47 | 0.07% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $37 | — | $37 | 0.06% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $36 | — | $36 | 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 | 0.04% |
| JILL DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $18 | — | $18 | 0.03% |
| LAUREN E SKINNER Filed as: LAUREN SKINNER | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $16 | — | $16 | 0.02% |
| K ABERNETHY | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $14 | — | $14 | 0.02% |
| GORDON VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $13 | — | $13 | 0.02% |
| STEPHEN SMITH | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28227 | AFLAC | $6 | — | $6 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $5 | — | $5 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $4 | — | $4 | 0.01% |
| JANE W BARNHILL Filed as: JANE BARNHILL | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.00% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.00% |
| FRANCIS BOND3 | 480 HOLLY SPRINGS CHURCH RD INMAN, SC 29349 | AFLAC | $2 | — | $2 | 0.00% |
| GARY GREENE3 | 1609 W ARLINGTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $1 | — | $1 | 0.00% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | 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 | $5K | — | $5K | 9.54% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.55% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $621 | — | $621 | 5.99% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $530 | — | $530 | 5.11% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $281 | — | $281 | 2.71% |
| ERIC A RITTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.44% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.40% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN-ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | USABLE LIFE | $1K | — | $1K | 25.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $233 | — | $233 | 5.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 51.30% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 346 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $203K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $15K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 346 | $2.2M |
| Other(4 contracts, 3 carriers) | AFLAC | 292 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.