| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $123K | — | $123K | 2.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENESSEE, INC. | 26 CENTURY BLVD 2ND FLOOR S. NASHVILLE, TN 37214 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $82K | — | $82K | 14.41% |
| PLANSOURCE BENEFIT ADMINISTRATION5 Filed as: PLANSOURCE BEN ADMINSTRATIION INC | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $26K | $26K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $37K | — | $37K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PL CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $1K | $13K | 48.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 905259 CHARLOTTE, NC 28290 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 16.44% |
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 | 1,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,107 | $4.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,146 | $369K |
| Vision | HM LIFE INSURANCE COMPANY | 610 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,086 | $571K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,086 | $571K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,086 | $571K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,086 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,146 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.