| 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 | $37K | — | $37K | 3.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | DELTA DENTAL OF TENNESSEE | $13K | — | $13K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 10.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | P.O. BOX 10608 BIRMINGHAM, AL 35202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.98% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 12.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 10.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.98% |
| 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 | $2K | — | $2K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $3K | $28K | 20.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 8.13% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.28% |
| 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 | $1K | — | $1K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 7.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 11.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.95% |
| 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 | $1K | — | $1K | 1.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $2K | $20K | 22.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $436 | $3K | 19.82% |
| 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 | $657K |
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 | 1,523 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,868 | $999K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,010 | $207K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,523 | $418K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,523 | $328K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,523 | $266K |
| Other(5 contracts, 2 carriers) | CIGNA - LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,523 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,868 | — |
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.