| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE | $217K | $13K | $230K | 10.44% |
| STEVE GRIFFIN3 | 2000 MORRIS AVENUE STE. 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 0.16% |
| DANIEL J WISTED3 | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE | $651 | — | $651 | 0.03% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE | $317 | — | $317 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE - KNOXVILLE | PO BOX 905601 CHARLOTTE, NC 28290 | PRINCIPAL LIFE INSURANCE COMPANY | $140K | $33K | $173K | 8.99% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 | 5726 MARLIN RD STE 212 CHATTANOOGA, TN 37421 | VISION SERVICE PLAN | $64K | — | $64K | 13.77% |
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 | 7,258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 7,798 | $2.5M |
| Vision | VISION SERVICE PLAN | 3,951 | $466K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 7,258 | $4.1M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,258 | $1.9M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,258 | $1.9M |
| Other | AMERICAN HERITAGE LIFE INSURANCE | 2,319 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,798 | — |
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.