| 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 | $82K | — | $82K | 2.92% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 284022263 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $23 | $30K | 12.99% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 3154 PERIMETER PKWY, STE G AUGUSTA, GA 30909 | AFLAC | $7K | $111 | $8K | 12.42% |
| HENRY DANIEL COOPER3 | 5164 FORTUNA DR BELVILLE, NC 28451 | AFLAC | $1K | $3 | $1K | 1.77% |
| TAMMY BRITT COOPER3 | 5164 FORTUNA DRIVE BELVILLE, NC 28451 | AFLAC | $801 | $26 | $827 | 1.36% |
| MIGUEL A IRIZARRY3 | 209 WENDOVER LN WILMINGTON, NC 28411 | AFLAC | $397 | — | $397 | 0.65% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $263 | — | $263 | 0.43% |
| LUCY DIANE BAKER3 | 78989 APRICOT LN PALM DESERT, CA 92211 | AFLAC | $213 | — | $213 | 0.35% |
| KATHERINE RENN3 Filed as: KATHERINE E RENN | 6204 TIFFIELD WAY WAKE FOREST, NC 27587 | AFLAC | $192 | — | $192 | 0.31% |
| LISA M MUSTO3 Filed as: LISA MARIE MUSTO | 921 MILL STREAM CT SAVANNAH, GA 31419 | AFLAC | $158 | — | $158 | 0.26% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $140 | — | $140 | 0.23% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $136 | — | $136 | 0.22% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $100 | — | $100 | 0.16% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $95 | — | $95 | 0.16% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $51 | — | $51 | 0.08% |
| VELMA EVERSON3 | 926 WORDSWORTH DR WILMINGTON, NC 28405 | AFLAC | $47 | — | $47 | 0.08% |
| ANTHONY WRIGHT3 | 153 NW 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $40 | — | $40 | 0.07% |
| GLENN H CARTER3 Filed as: GLENN CARTER | 7103 ORCHARD TRACE WILMINGTON, NC 28409 | AFLAC | $40 | — | $40 | 0.07% |
| JEFF HEDGES3 | 221 DRAKE LDNG NEW BERN, NC 28560 | AFLAC | $35 | — | $35 | 0.06% |
| ERIC C DWIGGINS3 | 5311 BELLWOOD CT WILMINGTON, NC 28412 | AFLAC | $34 | — | $34 | 0.06% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $34 | — | $34 | 0.06% |
| MARY LARONDE3 Filed as: MARY J LARONDE | 4621 W 110TH AVE WESTMINSTER, CO 80031 | AFLAC | $33 | — | $33 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $32 | — | $32 | 0.05% |
| THE DIAMOND AGENCY LLC3 | 2013 OLD RIDGE WAY STE 150 #202 LELAND, NC 28451 | AFLAC | $29 | — | $29 | 0.05% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $27 | — | $27 | 0.04% |
| TROY WEAVER3 | 37 JENN RD BURGAW, NC 28425 | AFLAC | $26 | — | $26 | 0.04% |
| CAROLINE CHARBONNET3 Filed as: CAROLINE H CHARBONNET | 4418 COUNTRY CLUB RD JACKSONVILLE, FL 32210 | AFLAC | $20 | — | $20 | 0.03% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $19 | — | $19 | 0.03% |
| JILL DENTON3 | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $15 | — | $15 | 0.02% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $12 | — | $12 | 0.02% |
| LAUREN E SKINNER3 Filed as: LAUREN SKINNER | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $11 | — | $11 | 0.02% |
| GORDON VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $10 | — | $10 | 0.02% |
| 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 | $3 | — | $3 | 0.00% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28227 | AFLAC | $2 | — | $2 | 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 | $5K | — | $5K | 9.98% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.42% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 42.31% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN-ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | USABLE LIFE | $2K | — | $2K | 25.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $307 | — | $307 | 5.00% |
| ERIC A RITTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 2.49% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.52% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP, INC | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.43% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.42% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $218 | — | $218 | 6.09% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 349 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $228K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $228K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 229 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 229 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 349 | $2.8M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 349 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
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.