| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE STE 1400 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $179K | — | $179K | 10.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $19K | $19K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $5K | — | $5K | 1.88% |
| WILLIAM T GANT3 | 117 HILLSONG LN BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38K | — | $38K | 17.67% |
| SAMMAONS COMPANY LP3 | 555 PERKINS EXT. SUITE 410 MEMPHIS, TN 38117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 7.66% |
| KENNETH ELDRED3 Filed as: KENNETH BRADLEY ELDRED | 182 TANNER LN. HEMANDO, MS 38632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2030 FALLING WATERS ROAD SUITE 290 KNOXVILLE, TN 37922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | JP MORGAN LOCKBOX 905601 SUITE 108 806 TYVOLA ROAD CHARLOTTE, NC 282173538 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST,INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 2.19% |
| SOMMERFELT, WALTER, J3 | 145 COLUMBUS DR LENOIR CITY, TN 37771 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 2.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM PROCESSING | Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | — | $925K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $69K |
| CIGNA | Claims processing; Direct payment from the plan; Named fiduciary; Float revenue; Participant communication; Other services; Non-monetary compensation; Contract Administrator Service code 12 | — | $0 |
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 | 1,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,526 | $254K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,738 | $1.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,738 | $1.7M |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,738 | $1.7M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,738 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,738 | — |
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.