| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2002 RICHARD JONES ROAD SUITE A-306 NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 19.81% |
| MATTHEW HUDSON FONES3 | 2002 RICHARD JONES ROAD STE A-306 NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.29% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $74 | $74 | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.50% |
| MATTHEW FONES3 | 2002 RICHARD JONES RD STE A-306 NASHVILLE, TN 37215 | PROVIDENT LIFE AND CASULATY INSURANCE COMPANY | $79 | — | $79 | 3.41% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND CASULATY INSURANCE COMPANY | $16 | — | $16 | 0.69% |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,134 | $7.2M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,257 | $432K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,134 | $7.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $348K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $348K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $381K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,134 | $7.2M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.