| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATH HOLT3 | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $46K | $0 | $46K | 4.26% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN ARMINIO | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $10K | $0 | $10K | 0.90% |
| 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 | $4K | $6K | $11K | 4.86% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $911 | $0 | $911 | 0.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | P.O. BOX 305025 NASHVILLE, TN 37230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.87% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $75 | $75 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $962 | $962 | 3.99% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFIT ADVISORY | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $577 | $0 | $577 | 2.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | P.O. BOX 305025 NASHVILLE, TN 37230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIIS OF AZ | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.62% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFIT ADVISORY | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $607 | $0 | $607 | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PL CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $654 | $654 | 3.04% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFIT ADVISORY | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $487 | $0 | $487 | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | P.O. BOX 305025 NASHVILLE, TN 37230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $455 | $0 | $455 | 9.57% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PKWY SUITE 1-500 ATLANTA, GA 30327 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115 | $0 | $115 | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $75 | $75 | 1.58% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 332 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $222K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $22K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $23K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $22K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $24K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.