| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | DELTA DENTAL OF TENNESSEE | $50K | — | $50K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $20K | 4.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $20K | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | $3K | $58K | 21.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | P.O. BOX 10608 BIRMINGHAM, AL 35202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 8.00% |
| 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 | $24K | — | $24K | 20.00% |
| 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 | $16K | — | $16K | 15.00% |
| 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 | $16K | — | $16K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 2101 6TH AVENUE N STE 1200 BIRMINGHAM, AL 35203 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $473 | $9K | 17.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TN EIN 62-0427913 NONE | Contract Administrator Service code 13 | 3200 WEST END AVE 102 NASHVILLE, TN 37203 | $793K |
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 | 1,600 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,722 | $993K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 937 | $205K |
| Life insurance | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,600 | $407K |
| Short-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,189 | $338K |
| Long-term disability | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 513 | $274K |
| Other(4 contracts) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,600 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,722 | — |
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.