| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM RUSSELL BLAKELY & ASSOC3 Filed as: WILLIAM WATSON | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $22K | — | $22K | 1.37% |
| HANES TORBETT3 | 508 PRINCETON RD STE 102 JOHNSON CITY, TN 376012060 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | — | $8K | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 8.40% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 12.00% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $823 | $18K | 40.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAND STREET SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 28.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $497 | $3K | 12.00% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $221 | $7K | 55.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $293 | $5K | 38.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $196 | $196 | 1.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $226 | $1K | 12.00% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 355 | $1.6M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 172 | $25K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $102K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 398 | $159K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 398 | $159K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
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.