| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER, JR. | 736 MARKET STREET, STE 1000 SUITE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $94K | — | $94K | 5.43% |
| RYAN DAVIS3 | 800 MARKET STREET, STE 205 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 979 E THIRD STREET CHATTANOOGA, TN 37403 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $4K | $10K | 7.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 979 E THIRD STREET CHATTANOOGA, TN 37403 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 725 COOL SPRINGS BLVD STE 410 FRANKLIN, TN 37067 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.34% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS DBA RELIANCE HUMA | 800 MARKET STREET SUITE 213 CHATTANOOGA, TN 37402 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $110 | — | $110 | 0.66% |
No Schedule C service providers reported on this filing.
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $1.7M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 132 | $17K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $137K |
| Other | RELIANCESTANDARD LIFE INSURANCE COMPANY | 132 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.