| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES-KNOXVILL | DB-EB OPERATING ACCOUNT PO BOX 8299 PASEDENA, TN 911098299 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $289K | $6K | $295K | 5.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES-KNOXVILLE | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, TN 911098299 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $105K | $6K | $111K | 5.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121K | — | $121K | 20.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $819 | — | $819 | 0.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES-KNOXVILLE | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: INSURANCETOGO-WORLDWIDE | 6744 BRAMWELL JOHNSTON, IA 50131 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WORLDWIDE INSURANCE AGENCY, INC.3 | 6744 BRAMWELL COURT JOHNSTON, IA 50131 | FOUR EVER LIFE INS CO. | $2K | — | $2K | 15.00% |
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 | 11,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 246 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 4 | $12K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 20,222 | $979K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11,671 | $5.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,539 | $1.9M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11,671 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,222 | — |
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.