| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N BIRMINGHAM, AL 35203 | DELTA DENTAL OF TENNESSEE | $50K | — | $50K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $76K | $4K | $80K | 16.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $3K | $25K | 6.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $63K | $2K | $65K | 20.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | P.O. BOX 10608 BIRMINGHAM, AL 35202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.90% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $8K | $12K | 5.84% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 21.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 21.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $455 | $9K | 17.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TN EIN 62-0427913 NONE | Claims processing Service code 12 | 3200 WEST END AVE 102 NASHVILLE, TN 37203 | $869K |
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 | 1,999 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,874 | $1.0M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 962 | $203K |
| Life insurance | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,999 | $501K |
| Short-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,012 | $363K |
| Long-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 633 | $319K |
| Other(4 contracts) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,874 | — |
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.