| 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 | $168K | — | $168K | 5.70% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59K | — | $59K | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $494 | — | $494 | 0.02% |
| DANIEL J WISTED3 | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF TENNESSEE | $121K | — | $121K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | 6322 DEANE HILL DR. KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $12K | — | $12K | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89K | — | $89K | 4.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $8K | $43K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSUTLING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 4.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $5K | $30K | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $922 | $32K | 3.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 1.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $86K | — | $86K | 12.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PL CHICAGO, IL 606731299 | VISION SERVICE PLAN | $18K | — | $18K | 2.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | — | $33K | 13.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.02% |
| DANIEL J WISTED3 | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $324 | $2K | 2.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| DANIEL J WISTED3 | 3745 HEDGECLIFF COURT ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 8,128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 7,786 | $2.7M |
| Vision | VISION SERVICE PLAN | 4,058 | $688K |
| Life insurance(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7,909 | $5.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,909 | $3.1M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,177 | $1.3M |
| Other(5 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 9,038 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,038 | — |
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.