| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $178K | — | $178K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METLIFE | — | $95 | $95 | 0.02% |
| HILDRETH AGENCY3 | 10259 KINGSTON PIKE KNOXVILLE, TN 37922 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | $51K | — | $51K | 15.00% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 19.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | $25K | — | $25K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | P.O. BOX 30525 NASHVILLE, TN 37230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | $9K | $2K | $11K | 18.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | $9K | — | $9K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | $3K | — | $3K | 15.00% |
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 | 1,282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 1,746 | $8.5M |
| Dental | METLIFE | 1,655 | $496K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,857 | $132K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 1,325 | $363K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INS CO | 346 | $230K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,432 | $534K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,857 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.