| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179K | $32K | $211K | 7.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | 6322 DEANE HILL DRIVE KNOXVILLE, TN 37919 | DELTA DENTAL PLAN OF TENNESSEE | $127K | — | $127K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 806 TYVOLA RD, STE 108 CHARLOTTE, NC 282173538 | AMERICAN HERITAGE LIFE INSURANCE | $159K | — | $159K | 12.43% |
| STEVE GRIFFIN3 | 2000 MORRIS AVENUE STE. 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 0.28% |
| DANIEL J WISTED3 | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE | $704 | — | $704 | 0.06% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 | 5726 MARLIN RD STE 212 CHATTANOOGA, TN 374115667 | VISION SERVICE PLAN | $71K | — | $71K | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $178 | $353 | $531 | 3.82% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | CUSTOM BENEFITS PROGRAMS INC P.O. BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.95% |
| DANIEL J WISTED3 | 3440 PRESTON RIDGE RD IV STE 260 ALPHARETTA, GA 30005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.70% |
| GLENN ROEBUCK JR3 | P.O. BOX 4799 CHATTANOOGA, TN 37405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.56% |
| PETER J MACE3 | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.22% |
| DANIEL OWEN MACLELLAN3 Filed as: DANIEL O MACLELLAN | P.O. BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GRP | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| FRANK A FINLEY3 Filed as: FRANK W BAIRD | ONE RIVERSIDE 4401 NORTHSIDE PKWY, STE 260 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 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 | 7,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 320 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 2,895 | $1.3M |
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 8,151 | $2.5M |
| Vision | VISION SERVICE PLAN | 3,963 | $473K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,680 | $2.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,680 | $2.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,680 | $2.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,680 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.