| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 6322 DEANE HILL DRIVE KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $138K | — | $138K | 4.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 6322 DEANE HILL DRIVE KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 19820 KNOXVILLE, TN 37939 | SYMETRA LIFE INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 30525 NASHVILLE, TN 37230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 19820 KNOXVILLE, TN 37939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $990 | — | $990 | 5.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 905601 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $272 | $553 | 3.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. - HQ | 26 CENTURY BLVD NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $42 | $42 | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $140 | $1K | 26.28% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 927 | $2.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 973 | $360K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 684 | $75K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 450 | $268K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 450 | $251K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 450 | $251K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 450 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.