| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUFFAKER JR3 | 735 BROAD STREET SUITE 101 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $74K | — | $74K | 2.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 WEST FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 11.33% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSUANCE | ONE ADP BOULEVARD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $721 | $721 | 0.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 WEST FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $826 | $9K | 11.02% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | ONE ADP BOULEVARD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $616 | $616 | 0.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3318 WEST FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $961 | $8K | 11.29% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | ONE ADP BOULEVARD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $492 | $492 | 0.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1500 RIVERFRONT DR, STE 200 LITTLE ROCK, AR 722021745 | VISION SERVICE PLAN | $2K | — | $2K | 3.86% |
No Schedule C service providers reported on this filing.
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 582 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 582 | $2.6M |
| Vision | VISION SERVICE PLAN | 300 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 499 | $109K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $75K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $81K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 499 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.