| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 905601 CHARLOTTEE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $88K | $2K | $90K | 2.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 905601 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.05% |
| DEBORAH W HULETTE3 | 8317 CORDOVA RD STE 201 CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 8285 TOURNAMENT DR SUITE 130 MEMPHIS, TN 38125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.64% |
| BRANDON D. CAVINS3 Filed as: BRANDON D CAVINS | UNKNOWN COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $658 | — | $658 | 0.81% |
| STEVEN VORDERLANDWEHR3 | 1242 HADAWAY TRAIL LAWRENCEVILLE, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $519 | — | $519 | 0.64% |
| HOWARD EATON3 | 429 SPRUCE GLEN DR CORDOVA, TN 38018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | — | $488 | 0.60% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $406 | — | $406 | 0.50% |
| JAMES D STEPHENS3 | UNKNOWN HOUSTON, TX 77040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.18% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 500 N WEST SHORE BLVD STE 1015 TAMPA, FL 33609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.18% |
| JAMES D DUDLEY3 | 3061 EDGEWOOD CT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.17% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.13% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.07% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.07% |
| QUINTON J MILES3 | PO BOX 17163 MEMPHIS, TN 38187 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $466 | — | $466 | 25.03% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 619 | $3.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 634 | $174K |
| Vision | HM LIFE INSURANCE COMPANY | 249 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $146K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $146K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 619 | $3.0M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.