| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY, STE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $192K | $34K | $226K | 11.92% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $19K | $19K | 0.99% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 374012310 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $751 | $309 | $1K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE KNOXVILLE | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | DELTA DENTAL PLAN OF TENNESSEE | $76K | — | $76K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $28K | — | $28K | 9.77% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 8.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 2.70% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM RUSSELL BLAKELEY | PO BOX 11310 CHATTANOOGA, TN 37401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.48% |
| TERRY J SILVERS3 Filed as: TERRY MCCORMICK | 1222 EAST CHURCH ST ORLINDA, TN 37141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.99% |
| ASHLEY L. DEMATTEO3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| FRANK P DOHERTY3 Filed as: FRANK P. DOHERTY | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| MARIE L. ROBERTS3 | 400 MCTEER DR KINGSPORT, TN 37663 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $457 | — | $457 | 0.20% |
| HEARL B DAVIS3 | 7139 NOLEN PARK CIRCLE NOLENSVILLE, TN 37135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $319 | — | $319 | 0.14% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ELDRIDGE | 800 GREEN T LAKE WEST HERNANDO, MS 38632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 0.10% |
| DEBORAH A. MARTIN3 | 1314 MARSHALL ST LAKEWOOD, CO 80214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | — | $161 | 0.07% |
| FRANK H. MATHERLEY3 | PO BOX 409 GOODLETTSVILLE, TN 37070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 0.03% |
| ALTERNATIVE SOLUTIONS OF TN INC3 Filed as: ALTERNATIVE SOLUTIONS OF | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.03% |
| DONALD H. ARMSTRONG3 | 925 SCENIC HWY DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.03% |
| LUTHER G STANFILL3 | 533 NATALIE DRIVE PO BOX 127 GOODLETTSVILLE, TN 37070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIDELITY LIFE ASSOCIATION | $5K | — | $5K | 3.66% |
| WILLIAM BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | FIDELITY LIFE ASSOCIATION | $1K | — | $1K | 0.88% |
| NATIONAL BENEFIT PARTNERS3 | PO BOX 916 DEVON, PA 19333 | FIDELITY LIFE ASSOCIATION | $236 | — | $236 | 0.18% |
| TERRY J SILVERS3 Filed as: TERRY MCCORMICK | 1222 EAST CHURCH ST ORLINDA, TN 37141 | FIDELITY LIFE ASSOCIATION | $236 | — | $236 | 0.18% |
| TOM SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | COMBINED INSURANCE | $47K | — | $47K | 47.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE | $27K | — | $27K | 26.97% |
| TERRY J SILVERS3 Filed as: TERRY MCCORMICK | 1222 EAST CHURCH ST ORLINDA, TN 37141 | COMBINED INSURANCE | $10K | — | $10K | 10.19% |
| NATIONAL BENEFIT PARTNERS EAST3 | PO BOX 916 DEVON, PA 19333 | COMBINED INSURANCE | $5K | — | $5K | 5.00% |
| NBP - NORTHEAST3 | PO BOX 916 DEVON, PA 19333 | COMBINED INSURANCE | $4K | — | $4K | 4.00% |
| FRANK H. MATHERLEY3 Filed as: FRANK MATHERLEY | PO BOX 409 GOODLETTSVILLE, TN 37070 | COMBINED INSURANCE | $2K | — | $2K | 2.17% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ELDRIDGE | 800 GREEN T LAKE WEST HERNANDO, MS 38632 | COMBINED INSURANCE | $2K | — | $2K | 1.74% |
| HEARL DAVIS3 | 7139 NOLEN PARK CIRCLE NOLENSVILLE, TN 37135 | COMBINED INSURANCE | $2K | — | $2K | 1.72% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 113 SEABOARD LN, STE C170 FRANKLIN, TN 37067 | TRANSAMERICA LIFE INSURANCE COMPANY | $100 | — | $100 | 0.23% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM R. BLAKELY | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | TRANSAMERICA LIFE INSURANCE COMPANY | $67 | — | $67 | 0.16% |
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | BLUERE OF TENNESSEE | $4K | — | $4K | 12.07% |
| LAMAR W. WILSON3 | THE RIVER CITY GROUP LLC 6105 PRESERVATION DR, STE B CHATTANOOGA, TN 37416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $415 | — | $415 | 2.26% |
| DAVID B. LONGLEY3 | 6105 PRESERVATION DR, STE B CHATTANOOGA, TN 37416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.42% |
| WILLIAMS INSURANCE BROKERAGE INC.3 | 10408 JACKSON OAKS WAY KNOXVILLE, TN 37922 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $4 | $71 | 0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 55 BEATTIE PLACE SUITE 200 GREENVILLE, SC 29601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 7.51% |
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 | 3,561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PRESBYTERIAN HEALTH PLAN INC. | 6,284 | $941K |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 5,998 | $1.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,076 | $287K |
| Life insurance(5 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,380 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,380 | $1.9M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,380 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,284 | — |
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.