| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 735 BROAD STREET ST 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $34K | 2.30% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 89662 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $6K | $98K | 12.25% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 89662 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $3K | $41K | 10.75% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $2K | $26K | 7.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $12K | — | $12K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $2K | $26K | 16.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 735 BROAD STREET ST 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 30.27% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SEVICES | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 17.41% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 89662 CHARLOTTE, ND 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | $5 | $41 | 22.65% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1 | — | $1 | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $2.4M |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 BROKER | Other commissions; Other fees Service code 55 | — | $202K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $95K |
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 | 3,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $168 |
| Vision | VISION SERVICE PLAN | 2,339 | $237K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,696 | $2.3M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,696 | $1.5M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,696 | $1.9M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 2,715 | $659K |
| Other(7 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,000 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,000 | — |
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.