| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $164K | $23K | $187K | 9.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $18K | 11.63% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 3.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $14K | 11.97% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 292216486 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 12.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 292216486 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.61% |
| BB&T HUFFAKER INSURANCE3 Filed as: BB&T HUFFAKER INSURANCE SVCS | 735 BROAD ST SUITE 100 CHATTANOOGA, TN 37402 | BEAZLEY INSURANCE COMPANY INC | $8K | — | $8K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 13.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD ST. STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.06% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $731 | $2K | 13.79% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCRIFF INSURANCE SERVICE | 735 BROAD ST., STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | -$74K | -$73K | -475.55% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $563 | $2K | 14.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD ST. STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $987 | $3 | $990 | 10.03% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $395 | $395 | 4.00% |
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 | 903 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 117 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,367 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,367 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,367 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 824 | $152K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $114K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 364 | $97K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,367 | $1.9M |
| Other(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,367 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,367 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.