| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 999 S. GROVE ROAD SUITE 200 MEMPHIS, TN 38120 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $10K | — | $10K | 1.31% |
| PAUL BARCROFT3 | 999 S SHADY GRAVE ROAD SUITE 200 MEMPHIS, TN 38120 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $6K | — | $6K | 0.75% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1665 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $464K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $43K |
| RX BENEFITS EIN 63-1157085 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $11K |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 1,584 | $766K |
| Vision | VISION SERVICE PLAN | 672 | $100K |
| Life insurance | GUARDIAN | 779 | $618K |
| Long-term disability | GUARDIAN | 779 | $618K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TENNESSEE | 1,584 | $766K |
| Other | GUARDIAN | 779 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,584 | — |
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.