| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 905601 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $124K | $124K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $1K | $19K | 13.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 8285 TOURNAMENT DR SUITE 130 MEMPHIS, TN 38125 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 5.00% |
| TRISTAR BENEFIT SOLUTIONS LLC3 Filed as: TRISTAR BENEFIT SOLUTIONS | 413 OLD TOWNE DR BRENTWOOD, TN 37027 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.60% |
| SWETT & CRAWFORD OF GEORGIA INC3 | 3350 RIVERWOOD PKWY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $698 | — | $698 | 2.03% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR. | 3350 RIVERWOOD PKWY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $647 | — | $647 | 1.88% |
| TONYA S LANCASTER3 | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $617 | — | $617 | 1.79% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1820 THE EXCHANGE STE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $75 | — | $75 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. NASHVILLE, TN 37214 | NATIONAL VISION ADMINISTRATORS, LLC | $779 | — | $779 | 5.00% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $2.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 415 | $125K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 196 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $142K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $142K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $142K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.