Welfare broker

HENRY V. ESTEP

Mailing address (most recent filing)

PO BOX 2263

WILMINGTON, NC 28402

Total comp: $207K
Commissions: $206K
Fees: $500
Filings: 3
Sponsors: 3

Carrier mix

Where HENRY V. ESTEP places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$3.7M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NC	2	$3.7M	0.1%	47.73x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of HENRY V. ESTEP's plans by broker comp / premium ratio. Median 3.41% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of HENRY V. ESTEP's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where HENRY V. ESTEP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MONTEITH CONSTRUCTION CORP MONTEITH CONSTRUCTION CORP WELFARE BENEFIT PLAN	NC	$2.0M	$125K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA
MARINE FEDERAL CREDIT UNION GROUP LIFE & HEALTH PLAN FOR EMPLOYEES OF MARINE FEDERAL CREDIT UNION	NC	$1.7M	$11K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$3.7M

100.0%

State

Plans

Premium

State share

Index

$3.7M

0.1%

47.73x

Sponsor

Loc

Premium

Comp

Carrier

MONTEITH CONSTRUCTION CORP

MONTEITH CONSTRUCTION CORP WELFARE BENEFIT PLAN

$2.0M

$125K

BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA

MARINE FEDERAL CREDIT UNION

GROUP LIFE & HEALTH PLAN FOR EMPLOYEES OF MARINE FEDERAL CREDIT UNION

$1.7M

$11K

BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA