| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $59K | — | $59K | 9.02% |
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $32K | — | $32K | 7.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $18K | — | $18K | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $22K | — | $22K | 17.20% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 1.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $6K | — | $6K | 14.94% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $1K | — | $1K | 2.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $4K | — | $4K | 10.21% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $1K | — | $1K | 3.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $2K | — | $2K | 14.09% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $566 | — | $566 | 3.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $1K | — | $1K | 12.48% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $356 | — | $356 | 4.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $621 | — | $621 | 11.89% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $226 | — | $226 | 4.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $422K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 | Contract Administrator Service code 13 | — | $34K |
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 | 1,832 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,145 | $659K |
| Short-term disability(6 contracts) | ALLSTATE BENEFITS | 288 | $241K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,145 | $200K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,832 | $450K |
| Other(8 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,145 | $946K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,832 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.