| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUFFAKER JR3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | BLUERE OF TENNESSEE | $27K | — | $27K | 0.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | $25K | — | $25K | 1.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $85K | $3K | $87K | 10.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | $7K | — | $7K | 0.99% |
| ROBERT HUFFAKER JR3 Filed as: ROBERT HUFFAKER JR. | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | $33K | — | $33K | 7.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $25K | $1K | $27K | 10.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | ALLSTATE BENEFITS | $35K | — | $35K | 18.47% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 1.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | $649 | — | $649 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | ALLSTATE BENEFITS | $10K | — | $10K | 16.36% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $1K | — | $1K | 2.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICE | 735 BROAD ST STE 608 CHATTANOOGA, TN 37402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $6K | $1K | $7K | 11.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | ALLSTATE BENEFITS | $6K | — | $6K | 11.30% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $2K | — | $2K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | ALLSTATE BENEFITS | $3K | — | $3K | 16.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $337 | — | $337 | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | ALLSTATE BENEFITS | $1K | — | $1K | 12.59% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $472 | — | $472 | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE, SUITE 1800 GREENSBORO, NC 274099047 | ALLSTATE BENEFITS | $1K | — | $1K | 15.15% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $181 | — | $181 | 2.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH OPTIONS | $10 | — | $10 | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UPMC HEALTH PLAN | -$50 | — | -$50 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 NONE | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $554K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 NONE | Contract Administrator Service code 13 | — | $38K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Contract Administrator Service code 13 | 1800 CENTER STREET CAMP HILL, PA 170111741 | $27K |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUERE OF TENNESSEE | 381 | $10.1M |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,811 | $848K |
| Short-term disability(6 contracts) | ALLSTATE BENEFITS | 288 | $340K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,219 | $253K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,890 | $461K |
| Other(8 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,811 | $1.2M |
| 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.