| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 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 | $2K | — | $2K | 3.51% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 153 NW 1ST ST OAK ISLAND, NC 28465 | AFLAC | $3K | $138 | $3K | 6.59% |
| TAMMY BRITT COOPER3 | 5164 FORTUNA DR BELVILLE, NC 28451 | AFLAC | $342 | $29 | $371 | 0.76% |
| MIGUEL A IRIZARRY3 | 6611 WINDINGWOOD LN WILMINGTON, NC 28411 | AFLAC | $326 | — | $326 | 0.66% |
| HENRY DANIEL COOPER3 | 5164 FORTUNA DR BELVILLE, NC 28451 | AFLAC | $260 | $29 | $289 | 0.59% |
| LUCY DIANE BAKER3 | 78989 APRICOT LN PALM DESERT, CA 92211 | AFLAC | $200 | — | $200 | 0.41% |
| KATHERINE RENN3 Filed as: KATHERINE E RENN | 6204 TIFFIELD WAY WAKE FOREST, NC 27587 | AFLAC | $185 | — | $185 | 0.38% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $152 | — | $152 | 0.31% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $134 | — | $134 | 0.27% |
| LISA M MUSTO3 Filed as: LISA MARIE MUSTO | 3424 W COMMUNITY DR JUPITER, FL 33458 | AFLAC | $126 | — | $126 | 0.26% |
| GLENN H CARTER3 | 7103 ORCHARD TRCE WILMINGTON, NC 28409 | AFLAC | $100 | — | $100 | 0.20% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $95 | — | $95 | 0.19% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $88 | — | $88 | 0.18% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $73 | — | $73 | 0.15% |
| VELMA EVERSON3 | 926 WORDSWORTH DR WILMINGTON, NC 28405 | AFLAC | $47 | — | $47 | 0.10% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $47 | — | $47 | 0.10% |
| JEFF HEDGES3 | 221 DRAKE LNDG NEW BERN, NC 28560 | AFLAC | $35 | — | $35 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $28 | — | $28 | 0.06% |
| ERIC C DWIGGINS3 | 5311 BELLWOOD CT WILMINGTON, NC 28412 | AFLAC | $27 | — | $27 | 0.05% |
| RUEANN M EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $26 | — | $26 | 0.05% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $26 | — | $26 | 0.05% |
| TROY WEAVER3 | 37 JENN RD BURGAW, NC 28425 | AFLAC | $26 | — | $26 | 0.05% |
| CAROLINE CHARBONNET3 Filed as: CAROLINE H CHARBONNET | 4418 COUNTRY CLUB RD JACKSONVILLE, FL 32210 | AFLAC | $20 | — | $20 | 0.04% |
| ANTHONY WRIGHT3 | 153 NW 1ST ST OAK ISLAND, NC 28465 | AFLAC | $15 | — | $15 | 0.03% |
| MARY LARONDE3 Filed as: MARY J LARONDE | 4621 W 110TH AVE WESTMINSTER, CO 80031 | 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 | $8 | — | $8 | 0.02% |
| LAUREN E SKINNER3 | 1024 MOCKINGBIRD DR RALEIGH, NC 27615 | AFLAC | $5 | — | $5 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $4 | — | $4 | 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% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $2 | — | $2 | 0.00% |
| 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 | $1 | — | $1 | 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 | $5K | — | $5K | 15.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | USABLE LIFE | $2K | — | $2K | 24.96% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $312 | — | $312 | 4.99% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | — | $308 | 5.56% |
| ERIC A RITTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 2.55% |
| ANDY C. HESTER3 Filed as: ANDY C HESTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.58% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT | PO BOX 2263 WILMINGTON, NC 28402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.49% |
| DAVID R. CONNOR3 Filed as: DAVID R CONNOR | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.39% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $36K |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $92K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 230 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.