| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | $35K | — | $35K | 1.51% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 4507 N FRONT STREET STE 301 HARRISBURG, PA 17110 | UPMC HEALTH PLAN | $4K | — | $4K | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $87K | — | $87K | 10.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | $5K | $0 | $5K | 0.74% |
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $32K | — | $32K | 7.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $26K | — | $26K | 10.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $35K | — | $35K | 17.81% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $3K | — | $3K | 1.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $11K | — | $11K | 15.63% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 2.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $6K | — | $6K | 10.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 3.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $6K | — | $6K | 10.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | $5K | $0 | $5K | 11.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $3K | — | $3K | 15.14% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $569 | — | $569 | 2.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $2K | — | $2K | 12.71% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $495 | — | $495 | 3.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | P.O. BOX 896620 CHARLOTTE, NC 28217 | ALLSTATE BENEFITS | $1K | — | $1K | 14.23% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $246 | — | $246 | 3.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | $34 | — | $34 | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $476K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 | Contract Administrator Service code 13 | — | $34K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 | Contract Administrator Service code 13 | 1800 CENTER STREET CAMP HILL, PA 170111741 | $28K |
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 | 1,784 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH PLAN | 401 | $3.0M |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,159 | $809K |
| Short-term disability(6 contracts) | ALLSTATE BENEFITS | 258 | $365K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,159 | $239K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,784 | $440K |
| Other(8 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,159 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,784 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.