| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $83K | $595 | $84K | 9.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $1K | $13K | 11.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 11.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 11.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | BEAZLEY INSURANCE COMPANY INC | $6K | — | $6K | 15.42% |
| BB&T HUFFAKER INSURANCE3 Filed as: BB&T HUFFAKER INSURANCE SVCS | 735 BROAD ST SUITE 100 CHATTANOOGA, TN 99999 | BEAZLEY INSURANCE COMPANY INC | -$154 | — | -$154 | -0.42% |
| MARY TOSTON3 | 1776 AHL DRIVE, 6TH FL JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $806 | — | $806 | 3.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $983 | $138 | $1K | 11.41% |
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 | 598 | 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) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 617 | $893K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 617 | $857K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 617 | $857K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $118K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $80K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 617 | $857K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 482 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.