| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRAM HEALTH CARE | $63K | — | $63K | 0.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRAM HEALTH CARE | $11K | — | $11K | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $204K | — | $204K | 2.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | — | $138K | $138K | 1.88% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HARTFORD LIFE AND ACCIDENT | — | -$279K | -$279K | -3.80% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE GROUP | 830 CRESCENT DRIVE STE 260 NASHVILLE, TN 37067 | DELTA DENTAL OF TENNESSEE | $66K | — | $66K | 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 | 1.90% |
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS INC | P.O. BOX 1439 HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $91K | — | $91K | 4.00% |
| BRUNO MARK3 Filed as: BRUNO MARK FINANCIAL | 2881 S VALLEY VIEW BLVD STE 8 LAS VEGAS, NV 89102 | HEALTH PLAN OF NEVADA | $48K | — | $48K | 2.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | DAVIS VISION | $39K | — | $39K | 2.50% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRAM HEALTH CARE | $12K | — | $12K | 0.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRAM HEALTH CARE | $2K | — | $2K | 0.13% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HEALTH NEW ENGLAND, INC. | $14K | — | $14K | 3.07% |
| AON CONSULTING INC3 Filed as: AON BENEFITS SERVICES, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.82% |
| AON CONSULTING INC4 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $289 | — | $289 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS EIN 62-0427913 NONE | Insurance services Service code 23 | 1 CAMERON CIR CHATTANOOGA, TN 37402 | $4.9M |
| BENEFITFOCUS.COM EIN 57-1099948 NONE | Other services Service code 49 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $950K |
| REMEDY ANALYTICS EIN 45-3151617 NONE | Other services Service code 49 | 234 W. FLORIDA ST., STE 150 MILWAUKEE, WI 53204 | $450K |
| EQUIFAX, LLC EIN 57-0956262 NONE | Other services Service code 49 | 4076 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $247K |
| ADVANCED PLAN FOR HEALTH, LLC EIN 20-3424289 NONE | Other services Service code 49 | 1320 GREENWAY DRIVE, STE 170 IRVING, TX 75038 | $201K |
| COLLEGE PRESS EIN 46-5537915 NONE | Other services Service code 49 | P.O. BOX 400 COLLEGEDALE, TN 37315 | $147K |
| TEST N SHARE EIN 82-2405799 NONE | Other services Service code 49 | 136 FANTAIL COURT BRUNSWICK, GA 31525 | $78K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 NONE | Accounting (including auditing) Service code 10 | 629 MARKET STREET, SUITE 100 CHATTANOOGA, TN 37402 | $30K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Other services Service code 49 | 901 NORTH GLOBE ROAD ARLINGTON, VA 22203 | $25K |
| 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 | 124 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 763 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | HARVARD PILGRAM HEALTH CARE | 1,292 | $17.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 25,900 | $6.6M |
| Vision | DAVIS VISION | 22,700 | $1.6M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 27,490 | $4.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,931 | $7.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,931 | $7.3M |
| Prescription drug | HEALTH PLAN OF NEVADA | 274 | $1.6M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 27,490 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,490 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.