| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE PO BOX 31128 RALEIGH, NC 27622 | TRANSAMERICA LIFE INSURANCE COMPANY | $41K | — | $41K | 20.00% |
| DISABILITY RMS5 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $28K | $28K | 13.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC DBA MCGRI | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | TRANSAMERICA LIFE INSURANCE COMPANY | $38K | — | $38K | 20.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $52K | $5K | $58K | 44.11% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 9.27% |
| PAMELA LAWHORN3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $14K | $14K | 11.38% |
| DEBORAH KENNEDY3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $3K | $3K | 2.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE PO BOX 31128 RALEIGH, NC 27622 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| DISABILITY RMS5 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $17K | $17K | 13.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELADOC HEALTH, INC. EIN 04-3705970 CONTRACT ADM | Contract Administrator Service code 13 | 9040 TOWN CENTER PKWY STE 200 LAKEWOOD RANCH, FL 34202 | $0 |
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 | 683 | 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) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 647 | $126K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 647 | $126K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 4 | $192K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 683 | $206K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 345 | $124K |
| Prescription drug | EPIHANY RX, LLC | 622 | $1.0M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 366 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.