| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $45K | — | $45K | 3.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $3K | — | $3K | 0.22% |
| DRURY GROUP, INC3 Filed as: THE DRURY GROUP | PO BOX 869 FRANKLIN, TN 37065 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | -$9 | — | -$9 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28217 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $6K | $10K | 8.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 11.16% |
| DRURY GROUP, INC3 Filed as: DRURY GROUP LLC | PO BOX 869 FRANKLIN, TN 37065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 9.39% |
| DRURY GROUP, INC3 Filed as: DRURY GROUP LLC | PO BOX 869 FRANKLIN, TN 37065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $657 | — | $657 | 0.61% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.25% |
| DRURY GROUP, INC3 Filed as: DRURY GROUP LLC | PO BOX 869 FRANKLIN, TN 37065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $652 | — | $652 | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 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 | 796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 41 | $114K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,244 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,244 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 796 | $113K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 796 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 796 | $108K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,244 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 796 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.