| 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 | $43K | — | $43K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 3.52% |
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $36K | — | $36K | 9.03% |
| 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% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 4.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $24K | — | $24K | 15.01% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $4K | — | $4K | 2.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 300 SUMMERS ST STE 650 CHARLESTON, WV 25301 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $4K | — | $4K | 8.36% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 4.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $5K | — | $5K | 11.25% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 4.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $5K | — | $5K | 12.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $1K | — | $1K | 3.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $1K | — | $1K | 10.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $608 | — | $608 | 4.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $748 | — | $748 | 11.70% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $282 | — | $282 | 4.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $422 | — | $422 | 11.05% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $182 | — | $182 | 4.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $6 | — | $6 | 11.76% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3 | — | $3 | 5.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $418K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 | Contract Administrator Service code 13 | — | $33K |
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 | 1,890 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $426K |
| Short-term disability(8 contracts) | ALLSTATE BENEFITS | 259 | $319K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $122K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,890 | $397K |
| Other(9 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 1,073 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,890 | — |
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.