| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AETNA LIFE INSURANCE CO. | $62K | $4K | $65K | 4.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | P.O. BOX 305025 NASHVILLE, TN 37230 | DELTA DENTAL OF TENNESSEE | $65K | — | $65K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $138K | — | $138K | 11.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $57K | $57K | 4.67% |
| EXCALIBUR FINANCIAL GROUP3 Filed as: EXCALIBUR FINANCIAL GROUP INC. | 302 KNIGHTS RUN AVE STE 110 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 305025 NASHVILLE, TN 37320 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF TENNESSEE INC. | PO BOX 305025 NASHVILLE, TN 37230 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $234 | $6K | 3.51% |
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 | 2,530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 69 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 75 | $1.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 4,211 | $1.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 4,207 | $179K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,530 | $1.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,530 | $1.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,530 | $1.2M |
| Prescription drug | HMSA | 19 | $161K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,530 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,211 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.