| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HARTFORD LIFE AND ACCIDENT | — | $279K | $279K | 3.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7200 BANK COURT FREDERICK, MD 21703 | HARTFORD LIFE AND ACCIDENT | $208K | — | $208K | 2.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | HARTFORD LIFE AND ACCIDENT | $138K | — | $138K | 1.70% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRAM HEALTH CARE | $73K | — | $73K | 0.90% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE GROUP | 830 CRESCENT DRIVE STE 260 NASHVILLE, TN 37067 | DELTA DENTAL OF TENNESSEE | $65K | — | $65K | 1.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $75K | — | $75K | 1.88% |
| BILL BEELER3 | 101 MAYFIELD LANE HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $56K | — | $56K | 2.50% |
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS INC | 100 BLUEGRASS COMMONS BLVD. STE 200 HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $33K | — | $33K | 1.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | DAVIS VISION | $40K | — | $40K | 2.50% |
| BRUNO MARK3 Filed as: BRUNO MARK FINANCIAL | 2881 S VALLEY VIEW BLVD STE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA | $46K | — | $46K | 3.02% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 0.90% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HEALTH NEW ENGLAND, INC. | $13K | — | $13K | 2.88% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO INSURANCE SERVICES CORP. | 700 BISHOP ST 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $8K | — | $8K | 2.00% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS EIN 62-0427913 NONE | Insurance services Service code 23 | 1 CAMERON CIR CHATTANOOGA, TN 37402 | $5.1M |
| BENEFITFOCUS.COM EIN 57-1099948 NONE | Other services Service code 49 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $891K |
| REMEDY ANALYTICS EIN 45-3151617 NONE | Other services Service code 49 | 234 W. FLORIDA ST., STE 150 MILWAUKEE, WI 53204 | $338K |
| EQUIFAX, LLC EIN 57-0956262 NONE | Other services Service code 49 | 4076 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $238K |
| COLLEGE PRESS EIN 46-5537915 NONE | Other services Service code 49 | P.O. BOX 400 COLLEGEDALE, TN 37315 | $192K |
| ADVANCED PLAN FOR HEALTH, LLC EIN 20-3424289 NONE | Other services Service code 49 | 1320 GREENWAY DRIVE, STE 170 IRVING, TX 75038 | $119K |
| HC 21 EIN 62-1709733 NONE | Other services Service code 49 | 625 MARKET ST, SUITE 900 KNOXVILLE, TN 37902 | $29K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 NONE | Accounting (including auditing) Service code 10 | 629 MARKET STREET, SUITE 100 CHATTANOOGA, TN 37402 | $29K |
| PROVECTUS HEALTH STRATEGIES, LLC EIN 45-2048643 NONE | Other services Service code 49 | 1640 POWERS FERRY RD BLDG 26 STE 35 MARIETTA, GA 30067 | $28K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Other services Service code 49 | 901 NORTH GLOBE ROAD ARLINGTON, VA 22203 | $27K |
| OGLETREE & DEAKINS, & STEWART, PC EIN 57-1044820 NONE | Other services Service code 49 | P.O BOX 89 COLUMBIA, SC 29202 | $20K |
| TEST N SHARE EIN 82-2405799 NONE | Other services Service code 49 | 136 FANTAIL COURT BRUNSWICK, GA 31525 | $20K |
| CAROUSEL INDUSTRIES EIN 06-1502254 NONE | Other services Service code 49 | P.O. BOX 842084 BOSTON, MA 022842084 | $18K |
| ARCHIMEDES EIN 81-1158028 NONE | Other services Service code 49 | 7271 NOLENSVILLE RD 200 NOLENSVILLE, TN 37135 | $18K |
| MODERN WAY PRINTING EIN 62-1228798 NONE | Copying and duplicating Service code 36 | 8817 PRODUCTION LANE OOLTEWAH, TN 37363 | $8K |
| BAKER DONELSON EIN 62-1047356 NONE | Legal Service code 29 | 633 CHESTNUT ST., STE 1900 CHATTANOOGA, TN 37450 | $5K |
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 | 27,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 747 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | HARVARD PILGRAM HEALTH CARE | 1,325 | $17.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 27,745 | $6.5M |
| Vision | DAVIS VISION | 23,924 | $1.6M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 27,490 | $4.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 15,518 | $8.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 15,518 | $8.1M |
| Prescription drug | HEALTH PLAN OF NEVADA | 277 | $1.5M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 27,490 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,745 | — |
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.