| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD. NASHVILLE, TN 37214 | DELTA DENTAL OF TENNESSEE | $100K | — | $100K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $444K | — | $444K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | — | $83K | $83K | 2.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD. NASHVILLE, TN 37214 | TOTAL HEALTH CARE USA, INC. | $52K | — | $52K | 3.04% |
| RHONDA BYNUM3 | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUERE OF TENNESSEE | $99K | — | $99K | 9.19% |
| DAVID SOUERS3 | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUERE OF TENNESSEE | $26K | — | $26K | 2.38% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $3K | $73K | 7.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 905601 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $6K | $54K | 5.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $8K | $54K | 5.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 806 TYVOLA RD SUITE 108 CHARLOTTE, NC 28217 | VISION SERVICE PLAN | $58K | — | $58K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 806 TYVOLA RD SUITE 108 CHARLOTTE, NC 282173538 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 4.54% |
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 | 9,721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TOTAL HEALTH CARE USA, INC. | 8,786 | $2.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 10,161 | $3.3M |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 5,273 | $2.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 9,721 | $3.0M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 9,721 | $3.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 9,721 | $3.0M |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 418 | $1.7M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 9,721 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,161 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.