| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $57K | $57K | 2.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 905601 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $32K | $32K | 1.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, SE, INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | PO BOX 905601 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | WEST MADISON STREET STE 2760 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | PO BOX 905601 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 2.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.61% |
| CHARLOTTE C MARTIN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $909 | $24 | $933 | 3.86% |
| PHYLLIS BRALY3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $698 | $24 | $722 | 2.98% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $389 | $10 | $399 | 1.65% |
| ELAINE HICKMAN3 | PO BOX 327 PULASKI, TN 38487 | AFLAC | $306 | — | $306 | 1.26% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $101 | $10 | $111 | 0.46% |
| JEFF HOUCK3 | 2245 OLD WOODBURY HWY MANCHESTER, TN 37355 | AFLAC | $103 | — | $103 | 0.43% |
| PATRICIA ELLERTH3 | 1423 HIGHWAY 130 E SHELBYVILLE, TN 37160 | AFLAC | $100 | — | $100 | 0.41% |
| OSCAR LYNN BOYD3 Filed as: OSCAR BOYD | 255 N DAYHILL RD HARVEST, AL 35749 | AFLAC | $80 | — | $80 | 0.33% |
| JOHN T JEWELL3 Filed as: JOHN JEWELL | 1005 LOBLOLLY DRIVE MURFREESBORO, TN 37128 | AFLAC | $69 | — | $69 | 0.29% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $67 | — | $67 | 0.28% |
| JENNIFER EARWOOD3 | 1357 TILTON DRIVE FRANKLIN, TN 37067 | AFLAC | $60 | — | $60 | 0.25% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 35749 | AFLAC | $57 | — | $57 | 0.24% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $51 | — | $51 | 0.21% |
| JULIE EUBANK HOUGLAND3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $50 | — | $50 | 0.21% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $33 | — | $33 | 0.14% |
| BRENDA S SPEER3 Filed as: BRENDA SPEER | PO BOX 327 PULASKI, TN 38478 | AFLAC | $31 | — | $31 | 0.13% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $31 | — | $31 | 0.13% |
| BEN RENFROE3 | 111 STORMY DR MUSCLE SHOALS, AL 35661 | AFLAC | $26 | — | $26 | 0.11% |
| JAY OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $23 | — | $23 | 0.10% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $13 | — | $13 | 0.05% |
| SAIC INC3 Filed as: SAIC, INC | 4245 MILGEN RD COLUMBUS, TN 31907 | AFLAC | $12 | — | $12 | 0.05% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES D STEPHENS3 Filed as: JAMES STEPHENS | 26710 MANDRAKE FALLS CT SUITE 116 KATY, TX 77494 | AFLAC | $6 | — | $6 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO DR STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.02% |
| JOSEPH MCBRIDE3 | 106 AMY LN MUSCLE SHOALS, AL 35661 | AFLAC | $6 | — | $6 | 0.02% |
| EVERETT C BICKEL3 Filed as: EVERETT BICKEL | 14970 CENTER HILL DAM RD SILVER POINT, TN 38582 | AFLAC | $5 | — | $5 | 0.02% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS PITZENBERGER | 1501 SUGARLAND HWY PLEASANT HILL, MO 64080 | AFLAC | $5 | — | $5 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $871 | — | $871 | 4.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $556 | — | $556 | 11.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $170 | — | $170 | 3.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $154 | — | $154 | 5.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $151 | — | $151 | 4.94% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 348 | $123K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $2.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $18K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.