| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37949 | HORIZON HEALTHCARE SERVICES, INC. | $53K | — | $53K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37949 | HORIZON HEALTHCARE SERVICES, INC. | $7K | — | $7K | 3.47% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 2124 RACE STREET PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.85% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | DELTA DENTAL OF NJ, INC | $10K | — | $10K | 21.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | DELTA DENTAL OF NJ, INC | $2K | — | $2K | 3.48% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37949 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | DENTAL SERVICES ORGANIZATION, LLC | $960 | — | $960 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 19820 KNOXVILLE, TN 37939 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $198 | $3K | 22.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 19820 KNOXVILLE, TN 37939 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $662 | — | $662 | 12.88% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD BERWYN, PA 19312 | EYEMED VISION CARE | $237 | — | $237 | 4.81% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 148 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 103 | $66K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 669 | $37K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $53K |
| Short-term disability(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $106K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $53K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 148 | $208K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 164 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.