| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEST INC | PO BOX 905601 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $101K | — | $101K | 3.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 905601 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.87% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS* | 6750 LENOX CENTER COURT SUITE 200 MEMPHIS, TN 38115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 25.14% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 633 | $2.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 663 | $201K |
| Vision | HM LIFE INSURANCE COMPANY | 267 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $166K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 0 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $166K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 633 | $2.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.