| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $510K | — | $510K | 19.08% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852, PO BOX 28852 8TH FLOOR NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $20K | $20K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | 2000 MORRIS AVENUE STE. 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.09% |
| DANIEL J WISTED3 | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $416 | — | $416 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | 6322 DEANE HILL DRIVE KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $130K | — | $130K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE - KNOXVILLE | PO BOX 905601 CHARLOTTE, NC 28290 | PRINCIPAL LIFE INSURANCE COMPANY | $146K | — | $146K | 7.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $50K | — | $50K | 9.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 10.00% |
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 | 7,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,047 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 8,889 | $2.6M |
| Vision | VISION SERVICE PLAN | 4,895 | $512K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7,822 | $4.7M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,822 | $2.0M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,822 | $2.0M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7,822 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,889 | — |
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.