| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $312K | $14K | $326K | 14.93% |
| MACLELLAN, DANIEL, OWEN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $941 | $0 | $941 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF TENNESSEE | $153K | $0 | $153K | 16.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | VISION SERVICE PLAN | $68K | $0 | $68K | 25.00% |
| MACLELLAN, DANIEL, OWEN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.75% |
| TIGRETT & PENNINGTON INC3 Filed as: TIGRETT & PENNINGTON, INC. | PO BOX 784 DYERSBURG, TN 38025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $0 | $370 | 0.72% |
| SCOGGINS, WILLIAM, R3 | PO BOX 3237 CLEVELAND, TN 37320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.10% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 Filed as: FINANCIAL PLANNING ASSOCIATES | 5726 MARLIN ROAD, SUITE 212 CHATTANOOGA, TN 37411 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.10% |
| WILLIAM THOMAS3 Filed as: THE WILLIAM THOMAS AGENCY | PO BOX 3237 CLEVELAND, TN 37320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.05% |
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 | 2,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GILSBAR, LLC | 1,312 | $48K |
| Dental | DELTA DENTAL OF TENNESSEE | 4,842 | $957K |
| Vision | VISION SERVICE PLAN | 2,273 | $270K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,736 | $2.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,736 | $2.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,736 | $2.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,736 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,842 | — |
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.