| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $221K | — | $221K | 2.74% |
| VMI ACQUISITION INC3 Filed as: VMI ACQUISITION INC - PAULA BUTTS | P.O. BOX 1779 BOWLING GREEN, KY 42102 | ASSURANT | $65K | — | $65K | 1.00% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - BEST BUY | $68K | — | $68K | 1.36% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - AFFORDABLE | $59K | — | $59K | 1.36% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $78K | — | $78K | 1.80% |
| BILL BEELER3 | 101 MAYFIELD LN HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $67K | — | $67K | 2.50% |
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS | P.O. BOX 1439 HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $40K | — | $40K | 1.50% |
| BRUNO MARK3 Filed as: BRUNO MARK FINANCIAL | 2881 S VALLEY VIEW BLVD STE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA | $50K | — | $50K | 2.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 900 SOUTH GAY ST, 4TH FLOOR KNOXVILLE, TN 37902 | DAVIS VISION | $42K | — | $42K | 2.50% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - LC BEST BUY 3 TIER | $15K | — | $15K | 1.36% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM - LOW OPT 3 TIER | $7K | — | $7K | 1.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HEALTH NEW ENGLAND, INC. | $15K | — | $15K | 3.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS EIN 62-0427913 NONE | Insurance services Service code 23 | 1 CAMERON CIR CHATTANOOGA, TN 37402 | $5.3M |
| BENEFITFOCUS.COM EIN 57-1099948 NONE | Other services Service code 49 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $725K |
| EQUIFAX, LLC EIN 57-0956262 NONE | Other services Service code 49 | 4076 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $227K |
| ADP INC EIN 13-3036745 NONE | Other services Service code 49 | 1 ADP BLVD ROSELAND, NJ 07068 | $179K |
| PROVECTUS HEALTH STRATEGIES, LLC EIN 45-2048643 NONE | Other services Service code 49 | 1640 POWERS FERRY RD BLDG 26 STE 35 MARIETTA, GA 30067 | $103K |
| MODERN WAY PRINTING EIN 62-1228798 NONE | Copying and duplicating Service code 36 | 8817 PRODUCTION LANE OOLTEWAH, TN 37363 | $54K |
| HC 21 EIN 62-1709733 NONE | Other services Service code 49 | 625 MARKET ST, SUITE 900 KNOXVILLE, TN 37902 | $29K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Other services Service code 49 | 901 NORTH GLOBE ROAD ARLINGTON, VA 22203 | $27K |
| ELLIOTT DAVIS DECOSIMO, LLC EIN 57-0381582 NONE | Accounting (including auditing) Service code 10 | 629 MARKET STREET, SUITE 100 CHATTANOOGA, TN 37402 | $24K |
| OGLETREE & DEAKINS, & STEWART, PC EIN 57-1044820 NONE | Other services Service code 49 | P.O BOX 89 COLUMBIA, SC 29202 | $6K |
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 | 27,490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 290 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 867 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | HARVARD PILGRIM - BEST BUY | 983 | $17.7M |
| Dental | ASSURANT | 12,126 | $6.5M |
| Vision | DAVIS VISION | 25,435 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 27,490 | $12.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 18,343 | $8.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 18,343 | $8.1M |
| Prescription drug | HEALTH PLAN OF NEVADA | 380 | $1.7M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 27,490 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,490 | — |
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.