| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES KNOXVILL | PO BOX 8299 PASADENA, CA 91109 | RELIANCE STANDARD | $282K | $6K | $288K | 5.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES KNOXVILL | PO BOX 8299 PASADENA, CA 91109 | RELIANCE STANDARD | $11K | $6K | $17K | 0.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167K | $0 | $167K | 19.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168K | $0 | $168K | 21.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES KNOXVILL | PO BOX 8299 PASADENA, CA 91109 | RELIANCE STANDARD | $9.3M | $15K | $9.4M | 2003.21% |
| ITG WORLDWIDE INSURANCE AGENCY3 | 6744 BRAMWELL JOHNSTON, IA 50131 | CHUBB | $3K | $0 | $3K | 15.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: INSURANCETOGO WORLDWIDE INS | 6744 BRAMWELL COURT JOHNSTON, IA 50131 | FOUR EVER LIFE INS CO | $2K | $0 | $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 | 10,073 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 398 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 18,565 | $915K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 10,015 | $5.7M |
| Long-term disability | RELIANCE STANDARD | 9,712 | $2.2M |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,749 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,565 | — |
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.