| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $183K | $73K | $256K | 4.08% |
| HOUCHENS INSURANCE GROUP INC3 | 109 INTERNATIONAL DR FRANKLIN, TN 37067 | DELTA DENTAL OF TENNESSEE | $48K | — | $48K | 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 | $75K | $5K | $80K | 2.11% |
| BILL BEELER3 | 101 MAYFIELD LANE HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $52K | — | $52K | 2.50% |
| LUCENT HEALTH SOLUTIONS3 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | GERBER LIFE INSURANCE COMPANY | $31K | — | $31K | 1.50% |
| DAVID MANZI3 | 6151 VEGAS DR LAS VEGAS, NV 89108 | HEALTH PLAN OF NEVADA | $47K | — | $47K | 3.00% |
| PRISCILLA MCLAUGHLIN3 | 736 MARKET STREET SUITE 1000 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD | $30K | — | $30K | 2.49% |
| 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 | 1.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $19K | $24K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS EIN 62-0427913 NONE | Contract Administrator; Insurance services Service code 13 | 1 CAMERON CIR CHATTANOOGA, TN 37402 | $4.0M |
| BENEFITFOCUS.COM EIN 57-1099948 NONE | Other services Service code 49 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $368K |
| BUSINESSSOLVER EIN 42-1503807 NONE | Other services Service code 49 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | $343K |
| REMEDY ANALYTICS EIN 45-3151617 NONE | Other services Service code 49 | 234 W. FLORIDA ST., STE 150 MILWAUKEE, WI 53204 | $315K |
| EQUIFAX, LLC EIN 57-0956262 NONE | Other services Service code 49 | 4076 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $277K |
| VIRGIN PULSE/PERSONIFY HEALTH NONE | Other services Service code 49 | 75 FOUNTAIN STREET PROVIDENCE, RI 02902 | $80K |
| HEALTHEQUITY 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 | $49K |
| OGLETREE & DEAKINS, & STEWART, PC EIN 57-1044820 NONE | Other services Service code 49 | P.O BOX 89 COLUMBIA, SC 29202 | $48K |
| TEST N SHARE EIN 82-2405799 NONE | Other services Service code 49 | 136 FANTAIL COURT BRUNSWICK, GA 31525 | $48K |
| LBMC EIN 62-1199757 NONE | Accounting (including auditing) Service code 10 | 210 FRANKLIN ROAD BRENTWOOD, TN 37027 | $48K |
| TOWERS WATSON EIN 53-0181291 NONE | Actuarial Service code 11 | 26 CENTURY BLVD #101 NASHVILLE, TN 37214 | $30K |
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 | 21,563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA | 16,559 | $3.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 18,066 | $4.8M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 16,559 | $1.2M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 21,563 | $3.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 10,521 | $6.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10,521 | $6.3M |
| Prescription drug | HEALTH PLAN OF NEVADA | 239 | $1.6M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 21,563 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,563 | — |
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.