| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | P.O. BOX 905621 CHARLOTTE, NC 28290 | INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 4.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 11.77% |
| DEBORAH W HULETTE3 | 8317 CORDOVA RD SUITE 201 CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.28% |
| STEVEN VORDERLANDWEHR3 | 1242 HADAWAY TRAIL LAWRENCEVILLE, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $844 | — | $844 | 0.76% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $612 | — | $612 | 0.55% |
| JAMES D STEPHENS3 | 7676 HILLMONT ST SUITE 121 HOUSTON, TX 77040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 0.26% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 8313 W HILLSBOROUGH AVE SUITE 150 TAMPA, FL 33615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 0.26% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.24% |
| HOWARD EATON | 429 SPRUCE GLEN DR CORDOVA, TN 38018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.18% |
| QUINTON J MILES3 | PO BOX 17163 MEMPHIS, TN 38187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.18% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.12% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 301 MALLORY STATION RD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY ST 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH PA | $490 | — | $490 | 25.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | INSURANCE COMPANY OF NORTH AMERICA | 341 | $209K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 176 | $112K |
| Long-term disability | INSURANCE COMPANY OF NORTH AMERICA | 341 | $209K |
| Other(3 contracts, 3 carriers) | INSURANCE COMPANY OF NORTH AMERICA | 341 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.