| 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 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $426K | — | $426K | 14.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE. SUITE 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $934 | — | $934 | 0.03% |
| WISTED, DANIEL, J3 Filed as: WISTED DANIEL J | 3745 HEDGECLIFF COURT STE. 300 ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | 6322 DEANE HILL DR. KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $141K | — | $141K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | $21K | $116K | 6.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $11K | $75K | 8.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79K | — | $79K | 8.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE. BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $414 | — | $414 | 0.05% |
| WISTED, DANIEL, J3 Filed as: WISTED DANIEL J | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $106K | — | $106K | 15.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $8K | $38K | 6.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 8.25% |
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 | 8,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 8,777 | $2.8M |
| Vision | VISION SERVICE PLAN | 4,554 | $709K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7,821 | $5.6M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,821 | $2.3M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,236 | $990K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 9,172 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,172 | — |
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.