| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER, JR | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | BLUERE OF TENNESSEE | $56K | — | $56K | 11.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | — | VISION SERVICE PLAN | $1K | — | $1K | 4.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $234 | $234 | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $905 | $905 | — |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 287 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 353 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $0 |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 590 | $470K |
| Other(3 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 363 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.