| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $47K | — | $47K | 0.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $169K | — | $169K | 2.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | — | $79K | $79K | 1.35% |
| HOUCHENS INSURANCE GROUP INC3 | 109 INTERNATIONAL DR FRANKLIN, TN 37067 | DELTA DENTAL OF TENNESSEE | $44K | — | $44K | 1.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7701 AIRPORT CENTER DR, STE 1800 GREENSBORO, NC 27409 | DEARBORN LIFE INSURANCE COMPANY | $70K | $64K | $134K | 3.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HPHC INSURANCE COMPANY | $15K | — | $15K | 0.66% |
| BILL BEELER3 | 101 MAYFIELD LANE HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $36K | — | $36K | 2.50% |
| LUCENT HEALTH SOLUTIONS3 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | GERBER LIFE INSURANCE COMPANY | $22K | — | $22K | 1.50% |
| DAVID MANZI3 | 6151 VEGAS DR LAS VEGAS, NV 89108 | HEALTH PLAN OF NEVADA | $42K | — | $42K | 2.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 0.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $12K | $35K | 3.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 021102320 | HEALTH NEW ENGLAND, INC. | $20K | — | $20K | 3.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 99 HIGH STREET BOSTON, MA 02110 | HPHC INSURANCE COMPANY | $2K | — | $2K | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS EIN 62-0427913 NONE | Insurance services; Contract Administrator Service code 13 | 1 CAMERON CIR CHATTANOOGA, TN 37402 | $3.7M |
| BENEFITFOCUS.COM EIN 57-1099948 NONE | Other services Service code 49 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $678K |
| REMEDY ANALYTICS EIN 45-3151617 NONE | Other services Service code 49 | 234 W. FLORIDA ST., STE 150 MILWAUKEE, WI 53204 | $325K |
| EQUIFAX, LLC EIN 57-0956262 NONE | Other services Service code 49 | 4076 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $270K |
| ADVANCED PLAN FOR HEALTH, LLC EIN 20-3424289 NONE | Other services Service code 49 | 1320 GREENWAY DRIVE, STE 170 IRVING, TX 75038 | $74K |
| HEALTHEQUITY, INC. EIN 52-2383166 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 15 W SCENIC POINTE DRIVE, SUITE 100 DRAPER, UT 84020 | $60K |
| TEST N SHARE EIN 82-2405799 NONE | Other services Service code 49 | 136 FANTAIL COURT BRUNSWICK, GA 31525 | $52K |
| COLLEGE PRESS EIN 46-5537915 NONE | Other services Service code 49 | P.O. BOX 400 COLLEGEDALE, TN 37315 | $42K |
| ELLIOTT DAVIS, LLC/PLLC EIN 57-0381582 NONE | Accounting (including auditing) Service code 10 | 555 WALNUT STREET, SUITE 300 CHATTANOOGA, TN 37402 | $39K |
| OGLETREE & DEAKINS, & STEWART, PC EIN 57-1044820 NONE | Other services Service code 49 | P.O BOX 89 COLUMBIA, SC 29202 | $14K |
| SHDR/MCGRIFF EIN 56-1623293 NONE | Insurance agents and brokers Service code 22 | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | $7K |
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 | 19,496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 511 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | HARVARD PILGRIM HEALTH CARE | 823 | $13.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 18,267 | $4.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 16,699 | $1.1M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 19,496 | $3.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,897 | $5.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,897 | $5.8M |
| Prescription drug | HEALTH PLAN OF NEVADA | 209 | $1.4M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 19,496 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,496 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.