| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $12K | $46K | 13.51% |
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $36K | — | $36K | 10.79% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $11K | $37K | 14.36% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 14.36% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $9K | — | $9K | 11.22% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $9K | — | $9K | 10.83% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $5K | — | $5K | 11.10% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3K | — | $3K | 5.59% |
| 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 | $7K | — | $7K | 17.50% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3K | — | $3K | 7.06% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $2K | — | $2K | 6.46% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3K | — | $3K | 13.70% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $3K | — | $3K | 10.74% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD RALEIGH, NC 27612 | ALLSTATE BENEFITS | $1K | — | $1K | 10.93% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $663 | — | $663 | 7.01% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $333 | — | $333 | 11.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $326 | — | $326 | 11.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $48 | — | $48 | 11.57% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $20 | — | $20 | 4.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $367K |
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 | 1,760 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 649 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 944 | $344K |
| Short-term disability(7 contracts) | ALLSTATE BENEFITS | 149 | $204K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 944 | $98K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,760 | $333K |
| Other(9 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 944 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,760 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.