| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | HARTFORD LIFE AND ACCIDENT | $85K | — | $85K | 5.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $30K | $29K | $59K | 3.81% |
| BB&T INS SERVICES INC3 | 4951 FORSYTH RD MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $13K | $8K | $21K | 5.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 4.74% |
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 | 4,725 | 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) | 4,725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,725 | $1.5M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,725 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,725 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.