| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - KNOXVI | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, TN 91109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $265K | $6K | $271K | 5.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - KNOXVI | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, TN 91109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $111K | $6K | $117K | 5.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLILANT INSURANCE SERVICES INC | 2030 FALLING WATERS ROAD STE 290 KNOXVILLE, TN 37922 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $110 | $110 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - KNOXVI | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126K | — | $126K | 20.06% |
| 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 | -$423 | — | -$423 | -0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLILANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129K | — | $129K | 22.07% |
| 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 | -$434 | — | -$434 | -0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - KNOXVI | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, TN 91109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71K | — | $71K | 20.00% |
| M&T BANK3 Filed as: INSURACNE TO GO WORLDWIDE | 6744 BRAMWELL CT JOHNSTON, IA 50131 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INSURANCETO GO WORLDWIDE INS3 | 6744 BRAMWELL CT 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 | 10,619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 207 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 0 | $12K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 19,759 | $963K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11,571 | $5.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,423 | $2.2M |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11,571 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,759 | — |
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.