| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHANIE HAWKINS3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $36K | $0 | $36K | 4.77% |
| KATHERINE DILLARD3 | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $10K | $0 | $10K | 1.26% |
| LUDOVINO DIAZ3 | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $244 | $0 | $244 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | DEARBORN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON SOUTHEAST, INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | DEARBORN LIFE INSURANCE COMPANY | $721 | $0 | $721 | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS WEST | 500 NARTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $0 | $388 | $388 | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON SOUTHEAST | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 0.64% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 286 | $760K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 286 | $760K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 286 | $760K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 74 | $70K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 74 | $70K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 74 | $70K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 286 | $760K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 74 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.