| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUFFAKER JR3 | 735 BROAD ST SUITE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $28K | — | $28K | 3.61% |
| KATHERINE DILLARD3 | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 0.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 12.36% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.07% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$15 | $4K | $4K | 2.87% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 Filed as: FINANCIAL PLANNING ASSOCIATES | 5726 MARLIN ROAD SUITE 212 CHATTANOOGA, TN 37411 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 3.78% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 | 5726 MARLIN RD STE 212 CHATTANOOGA, TN 37411 | VISION SERVICE PLAN | $3K | — | $3K | 7.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 2.44% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 170 | $766K |
| Dental | DELTA DENTAL OF TENNESSEE | 190 | $93K |
| Vision | VISION SERVICE PLAN | 132 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $128K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $128K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $128K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 337 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.