| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | P.O. BOX 305025 NASHVILLE, TN 37230 | DELTA DENTAL OF TENNESSEE | $76K | — | $76K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $167K | — | $167K | 11.62% |
| 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 | — | $58K | $58K | 4.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AETNA HEALTH, INC. | $38K | — | $38K | 5.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AETNA LIFE INSURANCE CO. | $22K | — | $22K | 5.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 305025 NASHVILLE, TN 37320 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.91% |
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 | 2,596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 91 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 145 | $1.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 4,053 | $1.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,673 | $204K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,595 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,595 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,595 | $1.4M |
| Prescription drug | HMSA | 22 | $204K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,595 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,053 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.