| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN ESTEP BENEFIT GP3 Filed as: GRIFFIN ESTEP BENEFIT GR | PO BOX 2263 WILMINGTON, NC 28402 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 11.03% |
| 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% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 153 NW 1ST ST OAK ISLAND, NC 28465 | AFLAC | $5K | $288 | $6K | 10.07% |
| HENRY DANIEL COOPER3 | 5164 FORTUNA DR BELVILLE, NC 28451 | AFLAC | $768 | $67 | $835 | 1.51% |
| TAMMY BRITT COOPER3 | 5164 FORTUNA DR BELVILLE, NC 28451 | AFLAC | $589 | $67 | $656 | 1.19% |
| MIGUEL A IRIZARRY3 | 6611 WINDINGWOOD LN WILMINGTON, NC 28411 | AFLAC | $342 | — | $342 | 0.62% |
| LUCY DIANE BAKER3 | 78989 APRICOT LN PALM DESERT, CA 92211 | AFLAC | $198 | — | $198 | 0.36% |
| KATHERINE RENN3 Filed as: KATHERINE E RENN | 6204 TIFFIELD WAY WAKE FOREST, NC 27587 | AFLAC | $176 | — | $176 | 0.32% |
| LISA M MUSTO3 Filed as: LISA MARIE MUSTO | 3424 W COMMUNITY DR JUPITER, FL 33458 | AFLAC | $137 | — | $137 | 0.25% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $128 | — | $128 | 0.23% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $111 | — | $111 | 0.20% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $98 | — | $98 | 0.18% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $91 | — | $91 | 0.16% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $85 | — | $85 | 0.15% |
| VELMA EVERSON3 | 926 WORDSWORTH DR WILMINGTON, NC 28405 | AFLAC | $43 | — | $43 | 0.08% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $43 | — | $43 | 0.08% |
| GLENN H CARTER3 | 7103 ORCHARD TRCE WILMINGTON, NC 28409 | AFLAC | $41 | — | $41 | 0.07% |
| RUEANN M EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $37 | — | $37 | 0.07% |
| JEFF HEDGES3 | 221 DRAKE LNDG NEW BERN, NC 28560 | AFLAC | $32 | — | $32 | 0.06% |
| MARY LARONDE3 Filed as: MARY J LARONDE | 4621 W 110TH AVE WESTMINSTER, CO 80031 | AFLAC | $31 | — | $31 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $29 | — | $29 | 0.05% |
| ERIC C DWIGGINS3 | 5311 BELLWOOD CT WILMINGTON, NC 28412 | AFLAC | $29 | — | $29 | 0.05% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $25 | — | $25 | 0.05% |
| TROY WEAVER3 | 37 JENN RD BURGAW, NC 28425 | AFLAC | $24 | — | $24 | 0.04% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $20 | — | $20 | 0.04% |
| CAROLINE CHARBONNET3 Filed as: CAROLINE H CHARBONNET | 4418 COUNTRY CLUB RD JACKSONVILLE, FL 32210 | AFLAC | $19 | — | $19 | 0.03% |
| ANTHONY WRIGHT3 | 153 NW 1ST ST OAK ISLAND, NC 28465 | AFLAC | $14 | — | $14 | 0.03% |
| K EARLE ABERNETHY3 | 2902 SHERYL DR KINGSTON, NC 28504 | AFLAC | $11 | — | $11 | 0.02% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR, STE 602 DURHAM, NC 27707 | AFLAC | $10 | — | $10 | 0.02% |
| LAUREN E SKINNER3 | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $7 | — | $7 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $6 | — | $6 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $3 | — | $3 | 0.01% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $3 | — | $3 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28277 | AFLAC | $2 | — | $2 | 0.00% |
| JANE W BARNHILL3 | 536 DOVEFIELD DR INDIAN TRAIL, NC 28079 | 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 | $1K | — | $1K | 3.58% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| 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 | $113 | — | $113 | 2.46% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.65% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.48% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.35% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $223 | — | $223 | 5.26% |
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. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 388 | $234K |
| Vision | AETNA LIFE INSURANCE CO. | 388 | $234K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $52K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $68K |
| Other(4 contracts, 3 carriers) | AFLAC | 220 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.