| 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 | $101K | — | $101K | 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 | $165K | $16K | $182K | 12.31% |
| 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 | $100K | $11K | $112K | 11.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93K | — | $93K | 13.94% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $5K | $5K | 0.80% |
| SMITH THOMAS C3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| BLAKELY, WILLIAM R3 Filed as: BLAKELY WILLIAM RUSSELL | PO BOX 11310 CHATTANOOGA, TN 37401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| QUIGLEY KAREN L3 | 716 LILY FLAGG ROAD SE HUNTSVILLE, AL 35802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DEMATTEO ASHLEY L3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DOHERTY FRANK P3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $37K | — | $37K | 10.00% |
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 | 3,324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 117 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 62 | $734K |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 6,131 | $2.5M |
| Vision | VISION SERVICE PLAN | 2,313 | $366K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,126 | $1.5M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,790 | $1.0M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,126 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,131 | — |
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.