| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. NASHVILLE, TN 37214 | SUN LIFE ASSURANCE COMPANY OF CANADA | $179K | — | $179K | 10.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $23K | $23K | 1.29% |
| INSURANCE BENEFITS ASSOCIATES INC.3 | 348-A COOL SPRINGS BLVD. FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD PO BOX 305025 NASHVILLE, TN 37214 | HUMANA INSURANCE COMPANY | $22K | — | $22K | 9.95% |
| INSURANCE BENEFITS ASSOCIATES INC.3 | 348 COOL SPRINGS BLVD SUITE A FRANKLIN, TN 37067 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | — | $398 | $398 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 13.53% |
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 | 2,431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 1,903 | $219K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,766 | $1.8M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,766 | $1.8M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,766 | $1.8M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,766 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,766 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.