| 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 | $112K | — | $112K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $371K | — | $371K | 10.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $58K | $58K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37919 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $581K | — | $581K | 61.76% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DR NASHVILLE, TN 37204 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $61K | — | $61K | 6.51% |
| MICHAEL K PARROTT3 | 1100 EMPLOYERS BLVD GREEN BAY, WI 54344 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $625 | — | $625 | 0.07% |
| STEVEN D GUE3 | PO BOX 313 SALT ROCK, WV 25559 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.00% |
| TROY R NESS3 | 801 PAKERLAND DR GREEN BAY, WI 54303 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.00% |
| LEE O KEEFE3 | 2501 CHATHAM RD SPRINGFIELD, IL 62704 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 2601 CROSSROADS DR STE 130 MADISON, WI 53718 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN, INC. | 265 BROOKVIEWCENTRE WAY STE 505 KNOXVILLE, TN 37919 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $94K | — | $94K | 10.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | KANAWHA INSURANCE COMPANY | $173K | — | $173K | 18.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | KANAWHA INSURANCE COMPANY | $126K | $2K | $129K | 13.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY 11TH FLOOR ATLANTA, GA 30328 | KANAWHA INSURANCE COMPANY | — | $4K | $4K | 0.45% |
| MICHAEL K PARROTT3 | 1100 EMPLOYERS BLVD GREEN BAY, WI 54344 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| CAROLE E CALLAHAN3 | SUITE A1 10975 STERLING VIEW DR SOUTH JORDAN, UT 84095 | KANAWHA INSURANCE COMPANY | $30 | — | $30 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 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 | 10,619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 238 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 14,028 | $4.6M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 12,000 | $1.9M |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,383 | $5.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,383 | $3.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,383 | $3.6M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,619 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,028 | — |
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.