| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUFFAKER JR3 | 735 BROAD ST SUITE 100 CHATTENOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $50K | — | $50K | 7.24% |
| EDWARD SMITH3 | 2158 NORTHGATE PARK LANE SUITE 405 CHATTANOOGA, TN 37415 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $2K | — | $2K | 0.29% |
| BB&T HUFFAKER INSURANCE3 | 735 BROAD ST SUITE 100 CHATTANOOGA, TN 37402 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 6217 CHATTANOOGA, TN 37401 | SYMETRA FINANCIAL | $7K | — | $7K | 10.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA FINANCIAL | $1K | $2K | $4K | 5.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $66 | $66 | 0.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 4.75% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| EDWARD E MCCUISTION3 Filed as: EDWARD E. MCCUISTION | 1827 CREEK WAY DRIVE OOLTEWLH, TN 373639313 | TRANSAMERICA LIFE INSURANCE COMPANY | $721 | — | $721 | 7.45% |
| RICHARD D BARRY3 Filed as: RICHARD D. BARRY | 4710 CREEK POINT LANE SIGNAL MOUNTAIN, TN 37377 | TRANSAMERICA LIFE INSURANCE COMPANY | $398 | — | $398 | 4.11% |
| ENROLLMENT FIRST INC3 Filed as: ENROLLMENT FIRST INC. | 6712 DEANE HIL DRIVE KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 0.38% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $704 | — | $704 | 14.99% |
| BB&T INSURANCE SERVICES, INC.3 | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40 | — | $40 | 15.21% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 200 | $753K |
| Dental | DELTA DENTAL OF TENNESSEE | 325 | $98K |
| Vision | VISION SERVICE PLAN | 169 | $29K |
| Life insurance(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $53K |
| Short-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 288 | $52K |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 288 | $46K |
| Other(5 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
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.