| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 8285 TOURNAMENT DRIVE SOUTHWIND OFFICE BUILDING C MEMPHIS, TN 38125 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $121K | $121K | 4.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $23K | $23K | 0.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 8285 TOURNAMENT DRIVE, SUITE 130 MEMPHIS, TN 38125 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 3.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 1.41% |
| TRISTAR BENEFIT SOLUTIONS LLC3 | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.23% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $761 | — | $761 | 1.78% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $694 | — | $694 | 1.62% |
| TONYA S LANCASTER3 | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $191 | — | $191 | 0.45% |
| SWETT & CRAWFORD OF GEORGIA INC3 Filed as: SWETT & CRAWFORD OF GEORGIA INC. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | -$453 | — | -$453 | -1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $313 | $6K | 15.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $323 | $5K | 12.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $242 | $3K | 12.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $233 | $3K | 10.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | NATIONAL VISION ADMINISTRATORS, LLC | $649 | — | $649 | 3.79% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | NATIONAL VISION ADMINISTRATORS, LLC | $208 | — | $208 | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $491 | $34 | $525 | 12.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $487 | $29 | $516 | 15.89% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $2.5M |
| Dental | DELTA DENTAL OF TENNESSEE | 369 | $136K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 369 | $17K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $65K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $26K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 164 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.