| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $81K | — | $81K | 2.51% |
| AUSTIN MADISON3 | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $43K | — | $43K | 1.32% |
| CRICHTON BRANDON JACKSON3 Filed as: CRICHTON BRANDON JACKSON & WAR | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $3K | $34K | 15.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 4.77% |
| CHRICHTON BRANDON JACKSON & WAR3 | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $972 | $7K | 7.40% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | VISION SERVICE PLAN | $2K | — | $2K | 5.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN, INC. | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28217 | VISION SERVICE PLAN | $2K | — | $2K | 4.79% |
| CHRICHTON BRANDON JACKSON & WAR3 | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $560 | $224 | $784 | 3.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $310 | $155 | $465 | 2.33% |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 713 | $3.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 713 | $3.2M |
| Vision | VISION SERVICE PLAN | 279 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $224K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $244K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.