| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY V. ESTEP3 Filed as: HENRY VANCE ESTEP | PO BOX 2263 WILMINGTON, NC 28402 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $81K | — | $81K | 3.21% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 284022263 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $4K | $29K | 12.76% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.99% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 153 NW 1ST ST OAK ISLAND, NC 28465 | AFLAC | $5K | $230 | $5K | 8.16% |
| SUSAN WRIGHT3 | 467 BIG POPLAR CT NE LELAND, NC 28451 | AFLAC | $1K | — | $1K | 1.71% |
| MIGUEL A IRIZARRY3 Filed as: MIGUEL IRIZARRY | 209 WENDOVER LN WILMINGTON, NC 28411 | AFLAC | $624 | — | $624 | 0.93% |
| TAMMY BRITT COOPER3 | 5164 FORTUNA DRIVE BELVILLE, NC 28451 | AFLAC | $374 | $20 | $394 | 0.59% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $307 | — | $307 | 0.46% |
| LUCY DIANE BAKER3 Filed as: LUCY BAKER | 78989 APRICOT LN PALM DESERT, CA 92211 | AFLAC | $249 | — | $249 | 0.37% |
| THE DIAMOND AGENCY LLC3 | 2013 OLD RIDGE WAY STE 150 #202 LELAND, NC 28451 | AFLAC | $194 | $33 | $227 | 0.34% |
| KATHERINE RENN3 | 6204 TIFFIELD WAY WAKE FOREST, NC 27587 | AFLAC | $222 | — | $222 | 0.33% |
| LISA M MUSTO3 Filed as: LISA MUSTO | 5 RIO ROAD SAVANNAH, GA 31419 | AFLAC | $213 | — | $213 | 0.32% |
| ERIC C DWIGGINS3 | 5311 BELLWOOD CT WILMINGTON, NC 28412 | AFLAC | $177 | $33 | $210 | 0.31% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $162 | — | $162 | 0.24% |
| LARRY WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $161 | — | $161 | 0.24% |
| HENRY DANIEL COOPER3 | 5164 FORTUNA DR BELVILLE, NC 28451 | AFLAC | $135 | — | $135 | 0.20% |
| MATTHEW PINER3 | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $117 | — | $117 | 0.17% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $112 | — | $112 | 0.17% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $107 | — | $107 | 0.16% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $95 | — | $95 | 0.14% |
| VELMA EVERSON3 | 926 WORDSWORTH DR WILMINGTON, NC 28405 | AFLAC | $55 | — | $55 | 0.08% |
| ANTHONY WRIGHT3 | 153 NW 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $52 | — | $52 | 0.08% |
| GLENN H CARTER3 Filed as: GLENN CARTER | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $49 | — | $49 | 0.07% |
| MARY LARONDE3 | 4621 W 110TH AVE WESTMINSTER, CO 80031 | AFLAC | $43 | — | $43 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $42 | — | $42 | 0.06% |
| JEFF HEDGES3 | 3833 DUNN RD EASTOVER, NC 28312 | AFLAC | $41 | — | $41 | 0.06% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $32 | — | $32 | 0.05% |
| TAMMY BRITT COOPER3 | 3712 CLIFFRIDGE DR APT A LUMBERTON, NC 28358 | AFLAC | $30 | — | $30 | 0.04% |
| TROY WEAVER3 | 37 JENN RD BURGAW, NC 28425 | AFLAC | $30 | — | $30 | 0.04% |
| CAROLINE CHARBONNET3 | 4418 COUNTRY CLUB RD JACKSONVILLE, FL 32210 | AFLAC | $24 | — | $24 | 0.04% |
| JILL DENTON3 | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $17 | — | $17 | 0.03% |
| DAVID A EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $15 | — | $15 | 0.02% |
| LAUREN E SKINNER3 Filed as: LAUREN SKINNER | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $14 | — | $14 | 0.02% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $14 | — | $14 | 0.02% |
| GORDON VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $13 | — | $13 | 0.02% |
| DAVID A EMERSON3 | 4038 BATIK CT LELAND, NC 28451 | AFLAC | $7 | — | $7 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $4 | — | $4 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $4 | — | $4 | 0.01% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28227 | AFLAC | $3 | — | $3 | 0.00% |
| JANE W BARNHILL3 | 536 DOVEFIELD DR INDIAN TRAIL, NC 28079 | AFLAC | $1 | — | $1 | 0.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.49% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| ERIC A RITTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | — | $251 | 2.89% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.64% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.48% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.47% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $383 | — | $383 | 5.44% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN-ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | USABLE LIFE | $1K | — | $1K | 25.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $247 | — | $247 | 5.00% |
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 | 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 | 349 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $225K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $225K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $73K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 59 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $90K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 349 | $2.5M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 349 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.