| 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 | $184K | $35K | $219K | 10.23% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $19K | $19K | 0.87% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $19 | $19 | 0.00% |
| 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 | $85K | — | $85K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85K | — | $85K | 17.21% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $623 | — | $623 | 0.13% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM RUSSELL BLAKELEY | PO BOX 11310 CHATTANOOGA, TN 37401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 0.03% |
| FRANK H. MATHERLEY3 | PO BOX 409 GOODLETTSVILLE, TN 37070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.01% |
| FRANK P DOHERTY3 Filed as: FRANK P. DOHERTY | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.01% |
| ASHLEY L. DEMATTEO3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| TERRY J SILVERS3 Filed as: TERRY MCCORMICK | 1222 EAST CHURCH ST ORLINDA, TN 37141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| MARIE L. ROBERTS3 | 400 MCTEER DR KINGSPORT, TN 37663 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| HEARL B DAVIS3 | 7139 NOLEN PARK CIRCLE NOLENSVILLE, TN 37135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| DEBORAH A. MARTIN3 | 1314 MARSHALL ST LAKEWOOD, CO 80214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ALTERNATIVE SOLUTIONS OF TN INC3 Filed as: ALTERNATIVE SOLUTIONS OF | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ELDRIDGE | 800 GRENNT LAKE WEST HERNANDO, MS 38632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $33K | — | $33K | 9.83% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 113 SEABOARD LN, STE C170 FRANKLIN, TN 37067 | TRANSAMERICA LIFE INSURANCE COMPANY | $44 | — | $44 | 0.18% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM R. BLAKELY | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | FIDELITY LIFE ASSOCIATION | $564 | — | $564 | 4.26% |
| WILLIAM BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | FIDELITY LIFE ASSOCIATION | $155 | — | $155 | 1.17% |
| NATIONAL BENEFIT PARTNERS3 | PO BOX 916 DEVON, PA 19333 | FIDELITY LIFE ASSOCIATION | $90 | — | $90 | 0.68% |
| TOM SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | COMBINED INSURANCE | $5K | — | $5K | 42.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE | $3K | — | $3K | 23.92% |
| TERRY J SILVERS3 Filed as: TERRY MCCORMICK | 1222 EAST CHURCH ST ORLINDA, TN 37141 | COMBINED INSURANCE | $869 | — | $869 | 8.01% |
| NATIONAL BENEFIT PARTNERS EAST3 | PO BOX 916 DEVON, PA 19333 | COMBINED INSURANCE | $522 | — | $522 | 4.81% |
| NBP - NORTHEAST3 | PO BOX 916 DEVON, PA 19333 | COMBINED INSURANCE | $388 | — | $388 | 3.58% |
| FRANK H. MATHERLEY3 Filed as: FRANK MATHERLEY | PO BOX 409 GOODLETTSVILLE, TN 37070 | COMBINED INSURANCE | $328 | — | $328 | 3.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ELDRIDGE | 800 GREEN T LAKE WEST HERNANDO, MS 38632 | COMBINED INSURANCE | $183 | — | $183 | 1.69% |
| HEARL DAVIS3 | 7139 NOLEN PARK CIRCLE NOLENSVILLE, TN 37135 | COMBINED INSURANCE | $143 | — | $143 | 1.32% |
| LAMAR W. WILSON3 | THE RIVER CITY GROUP LLC 6105 PRESERVATION DR, STE B CHATTANOOGA, TN 37416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 2.16% |
| WILLIAMS INSURANCE BROKERAGE INC.3 | 10408 JACKSON OAKS WAY KNOXVILLE, TN 37922 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.41% |
| DAVID B. LONGLEY3 | 6105 PRESERVATION DR, STE B CHATTANOOGA, TN 37416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.26% |
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 | 3,628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 115 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 201 | $688K |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 6,489 | $2.1M |
| Vision | VISION SERVICE PLAN | 2,371 | $332K |
| Life insurance(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,706 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,706 | $2.1M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,706 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,489 | — |
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.