| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG GREGORY3 | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE HEALTHCARE PLAN OF TENNESSEE | $38K | — | $38K | 4.48% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 Filed as: WILLIAM WATSON | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE HEALTHCARE PLAN OF TENNESSEE | $6K | — | $6K | 0.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 736 MARKET ST. SUITE 1000 CHATTANOOGA, TN 37402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 18.00% |
| B3 ENROLL SERVICES, LLC3 | 211 GREENWICH RD CHARLOTTE, NC 28211 | AMERICAN UNITED LIFE INSURANCE COMPANY | $927 | — | $927 | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.52% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE HEALTHCARE PLAN OF TENNESSEE | 201 | $855K |
| Dental | BLUE CROSS BLUE HEALTHCARE PLAN OF TENNESSEE | 201 | $855K |
| Vision | BLUE CROSS BLUE HEALTHCARE PLAN OF TENNESSEE | 201 | $855K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 115 | $46K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 115 | $46K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 115 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.