| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTER WAY STE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $71K | — | $71K | 2.07% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543K | — | $543K | 29.73% |
| WILLIAM WARDLAW JR3 | #MULTIVALUE LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.27% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES JAY R HILL JR | 2311 W CONE BLVD #110 GREENSBORO, NC 27408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| ALFRED E DEVINE3 Filed as: ALFRED DEVINE | 324 DEVIN WAY SILVER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $633 | — | $633 | 0.03% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.01% |
| NORMA J DAVIS3 Filed as: NORMA LEWIS | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $92K | — | $92K | 9.99% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | P.O. BOX 202617 DALLAS, TX 753202617 | LEGAL PLANS USA | $41K | — | $41K | 10.00% |
| MASTER UNUM ENROLL3 | 1 FOUNTAIN SQUARE CHATANOOGA, TN 27402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON SALEM | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTER WAY STE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $602 | — | $602 | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTER WAY STE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $386 | — | $386 | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTER WAY STE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $351 | — | $351 | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTER WAY, STE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $123 | — | $123 | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTER WAY STE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $123 | — | $123 | 2.08% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 24,024 | $923K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 844 | $64K |
| Long-term disability(6 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 13,361 | $3.5M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,800 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,024 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.