| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301K | — | $301K | 12.51% |
| STEVE GRIFFIN3 | 2000 MORRIS AVENUE STE. 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.12% |
| DANIEL J WISTED3 | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $529 | — | $529 | 0.02% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | — | $165 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | 6322 DEANE HILL DRIVE KNOXVILLE, TN 37919 | DELTA DENTAL PLAN OF TENNESSEE | $121K | — | $121K | 5.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE - KNOXVILLE | PO BOX 905601 CHARLOTTE, NC 28290 | PRINCIPAL LIFE INSURANCE COMPANY | $135K | — | $135K | 7.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LK BRK DR, STE 400 GLEN ALLEN, VA 23060 | PRINCIPAL LIFE INSURANCE COMPANY | — | $85 | $85 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $50K | — | $50K | 11.10% |
| FINANCIAL PLANNING ASSOCIATES, LLC3 | 5726 MARLIN RD STE 212 CHATTANOOGA, TN 37421 | VISION SERVICE PLAN | $18K | — | $18K | 3.90% |
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 | 7,631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 208 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 7,852 | $2.2M |
| Vision | VISION SERVICE PLAN | 3,874 | $452K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7,631 | $4.3M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,631 | $1.9M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,631 | $1.9M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7,631 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,852 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.