| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $274K | — | $274K | 6.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $190K | — | $190K | 4.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TWR WATSON INS SVCS WEST INC | P.O. BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $46K | $46K | 1.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF TENNESSEE | $56K | — | $56K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS COROON CORP | 6322 DEANE HILL DR. KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $53K | — | $53K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 379194066 | MANHATTANLIFE | $300K | — | $300K | 19.19% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | MANHATTANLIFE | $10K | — | $10K | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SER INC-ALPHARETTA | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097631 | MANHATTANLIFE | $2K | — | $2K | 0.12% |
| PARROTT, MICHAEL K3 | 3907 CAMBRIDGE AVE NASHVILLE, TN 372051811 | MANHATTANLIFE | $323 | — | $323 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $71K | — | $71K | 6.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $35K | — | $35K | 3.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 6.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 2.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TWR WATSON INS SVCS WEST INC | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST. INC | 29982 NETWORK PL CHICAGO, IL 60673 | LEGAL CLUB OF AMERICA | $23K | — | $23K | 31.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES,INC.(CA) | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LEGAL CLUB OF AMERICA | $1K | — | $1K | 1.60% |
| 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 | 15.01% |
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 | 10,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 461 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 13,976 | $3.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 5,998 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,134 | $6.0M |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,134 | $4.4M |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 7,134 | $4.4M |
| Other(6 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,357 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,976 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.