| 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 | $36K | $10K | $46K | 12.76% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $7K | $42K | 11.92% |
| 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 | $29K | $10K | $39K | 13.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $13K | — | $13K | 10.80% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $12K | — | $12K | 10.38% |
| 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 | 13.63% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3K | — | $3K | 6.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $3K | — | $3K | 6.63% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $4K | — | $4K | 11.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $4K | — | $4K | 10.67% |
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $170 | — | $170 | 0.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 414 GALLIMORE DAIRY ROAD RALEIGH, NC 27612 | ALLSTATE BENEFITS | $1K | — | $1K | 10.55% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $1K | — | $1K | 8.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 7 EAST CONGRESS ST, STE 1002 SAVANNAH, GA 31401 | ALLSTATE BENEFITS | $502 | — | $502 | 6.74% |
| FRANCISCO COMBES3 | 3508 VERNADEAN DR SE ATLANTA, GA 30339 | ALLSTATE BENEFITS | $466 | — | $466 | 6.26% |
| SIMPSON INSURANCE GROUP3 | 134 SILVERTON RD POOLER, GA 31322 | ALLSTATE BENEFITS | $193 | — | $193 | 2.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $538 | — | $538 | 11.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $232 | — | $232 | 4.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $400 | — | $400 | 11.37% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $346 | — | $346 | 9.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $25 | — | $25 | 12.50% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $10 | — | $10 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $377K |
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 | 1,745 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 939 | $363K |
| Short-term disability(8 contracts) | ALLSTATE BENEFITS | 175 | $234K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 939 | $103K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,745 | $383K |
| Other(9 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 939 | $883K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,745 | — |
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.