| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $96K | — | $96K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $111K | $23K | $134K | 9.10% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $66K | $16K | $81K | 7.88% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133K | $14K | $147K | 22.87% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM RUSSELL BLAKELEY | PO BOX 11310 CHATTANOOGA, TN 37401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| ASHLEY L. DEMATTEO3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$6 | — | -$6 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $36K | — | $36K | 10.00% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 113 SEABOARD LN, STE C170 FRANKLIN, TN 37067 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | — | $47 | 0.25% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM R. BLAKELY | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | TRANSAMERICA LIFE INSURANCE COMPANY | $31 | — | $31 | 0.16% |
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 | 3,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 104 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 65 | $719K |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 6,599 | $2.4M |
| Vision | VISION SERVICE PLAN | 2,524 | $358K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,759 | $1.5M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,663 | $1.0M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,759 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,599 | — |
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.