| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $14K | — | $14K | 1.88% |
| NICHOLAS THOMAS GIALAMAS3 Filed as: NICHOLAS GIALAMAS | 580 N BANK LANE SUITE 101 LAKE FOREST, IL 60045 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $11K | — | $11K | 1.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON | 16 CENTURY BLVD. NASHVILLE, TN 37214 | WESTERN HEALTH ADVANTAGE | $19K | — | $19K | 3.66% |
| FORREST FINANCIAL GROUP, INC.3 | 580 NORTH BANK AVE. SUITE 101 LAKE FOREST, IL 60045 | WESTERN HEALTH ADVANTAGE | $17K | — | $17K | 3.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 55 BEATTIE PLACE SUITE 200 GREENVILLE, SC 29601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $4K | 2.36% |
| FOREST FINANCIAL GROUP INC3 | 580 NORTH BANK LANE LAKE FOREST, IL 60045 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 6.65% |
| FOREST FINANCIAL GROUP INC3 | NICK GIALAMAS 580 N BANK LANE LAKE FOREST, IL 60045 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $1 | — | $1 | 0.00% |
| FOREST FINANCIAL GROUP INC3 | 580 N BANK LN SUITE 101 LAKE FOREST, IL 60045 | VISION SERVICE PLAN | $623 | — | $623 | 2.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $562 | — | $562 | 2.70% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 200 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $155K |
| Vision | VISION SERVICE PLAN | 226 | $21K |
| Life insurance | AETNA LIFE INSURANCE CO. | 252 | $76K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 252 | $76K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 252 | $76K |
| Other | AETNA LIFE INSURANCE CO. | 252 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.