| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS COROON CORP. | 6322 DEANE HILL DR KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $121K | — | $121K | 3.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | KANAWHA INSURANCE COMPANY | $242K | — | $242K | 18.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | KANAWHA INSURANCE COMPANY | $76K | — | $76K | 5.72% |
| MICHAEL K PARROTT3 | 1100 EMPLOYERS BLVD GREEN BAY, WI 54344 | KANAWHA INSURANCE COMPANY | $8K | — | $8K | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC. | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | KANAWHA INSURANCE COMPANY | — | $6K | $6K | 0.43% |
| CAROLE E CALLAHAN3 | 10975 STERLING VIEW DR SUITE A1 SOUTH JORDAN, UT 84095 | KANAWHA INSURANCE COMPANY | $282 | — | $282 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | COMPBENEFITS INSURANCE COMPANY | $87K | — | $87K | 9.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC. | 1 GLENLAKE PKWY 11TH FLOOR ATLANTA, GA 30328 | COMPBENEFITS INSURANCE COMPANY | — | $9K | $9K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | HUMANADENTAL INSURANCE COMPANY | $23K | — | $23K | 9.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | 1 GLENLAKE PKWY 11TH FLOOR ATLANTA, GA 30328 | HUMANADENTAL INSURANCE COMPANY | — | $2K | $2K | 0.97% |
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 | 6,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 145 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF TENNESSEE | 12,425 | $5.6M |
| Vision(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 6,987 | $2.2M |
| Other | KANAWHA INSURANCE COMPANY | 6,987 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,425 | — |
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.