| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN HUNGATE3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | $71K | — | $71K | 3.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | PO BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 5.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 21.37% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.58% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 14.00% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $480 | — | $480 | 0.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INSURANCE SER | 1300 DOVE ST STE 300 NEWPORT BEACH, CA 92660 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 9.90% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $159 | $159 | 1.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $605 | $2K | 20.67% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 13.79% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | 260 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | 260 | $2.0M |
| Vision(2 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | 260 | $2.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $59K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 27 | $153K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.