| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | — | $59K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 6322 DEANE HILL DR KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $10K | — | $10K | 3.00% |
| MORETON & COMPANY3 Filed as: KIM K MORTON | 6000 TAZEWELL PIKE KNOXVILLE, TN 37918 | AFLAC | $9K | $89 | $9K | 4.86% |
| ERNESTINE KING3 Filed as: ERNESTINE B KING | 115 LAKEVIEW HILLS LN CLINTON, TN 37716 | AFLAC | $8K | $54 | $8K | 4.25% |
| SUSIE THORPE3 Filed as: SUSIE C THROPE & MULTIPLE AGENTS | SEE AFLAC ATTACHMENT KNOXVILLE, TN 37930 | AFLAC | $8K | $51 | $8K | 4.20% |
| RICHARD G. WILDE3 Filed as: RICHARD G WILDE | PO BOX 22513 KNOXVILLE, TN 37933 | AFLAC | $2K | $45 | $2K | 1.37% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2K | $45 | $2K | 0.94% |
| NATHAN A THORPE3 | PO BOX 5811 KNOXVILLE, TN 37928 | AFLAC | $2K | — | $2K | 0.86% |
| A ED GOODWIN JR3 | 520 DIXON LANE KODAK, TN 37764 | AFLAC | $2K | — | $2K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK DRIVE CHICAGO, IL 60673 | EYEMED VISION CARE | $6K | — | $6K | 7.77% |
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 | 1,005 | 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) | 1,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,383 | $345K |
| Vision | EYEMED VISION CARE | 1,204 | $72K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,005 | $495K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,005 | $495K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,005 | $495K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,005 | $676K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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.