| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 3.83% |
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $48K | — | $48K | 12.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 4.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $17K | — | $17K | 12.59% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $9K | — | $9K | 6.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 6.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $4K | — | $4K | 7.48% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3K | — | $3K | 5.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $4K | — | $4K | 11.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 4.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $5K | — | $5K | 12.11% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 6.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 414 GALLIMORE DAIRY ROAD RALEIGH, NC 27612 | ALLSTATE BENEFITS | $1K | — | $1K | 10.42% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $709 | — | $709 | 6.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $405 | — | $405 | 11.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $175 | — | $175 | 4.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $375 | — | $375 | 12.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $164 | — | $164 | 5.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $23 | — | $23 | 12.23% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $9 | — | $9 | 4.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $390K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 | Contract Administrator Service code 13 | — | $31K |
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 | 1,849 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 1,034 | $392K |
| Short-term disability(8 contracts) | ALLSTATE BENEFITS | 225 | $279K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 1,034 | $111K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,849 | $388K |
| Other(9 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 1,034 | $978K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,849 | — |
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."
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.