| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $35K | — | $35K | 10.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $7K | $37K | 12.18% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $7K | $31K | 12.67% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 14.21% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $11K | — | $11K | 14.21% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $9K | — | $9K | 11.05% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE BENEFITS | $29 | — | $29 | 0.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3K | — | $3K | 7.46% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $3K | — | $3K | 7.22% |
| FESSENDEN CONSULTING GROUP, INC.3 Filed as: FESSENDEN CONSULTING GROUP INC | 555 MARRIOTT DRIVE SUITE 250 NASHVILLE, TN 37214 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 17.50% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $8K | — | $8K | 29.50% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $3K | — | $3K | 11.21% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $2K | — | $2K | 10.96% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 9.85% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $1K | — | $1K | 30.08% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $378 | — | $378 | 10.97% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $379 | — | $379 | 13.62% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $315 | — | $315 | 11.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $313K |
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 | 1,600 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | ALLSTATE BENEFITS | 125 | $177K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 853 | $301K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 853 | $85K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,600 | $346K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 853 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,600 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.