| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF TENNESSEE | $139K | — | $139K | 3.00% |
| 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 | $362K | — | $362K | 8.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SER INC-ALPHARETTA | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097631 | MANHATTANLIFE | $182K | — | $182K | 12.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 305026 NASHVILLE, TN 372305026 | MANHATTANLIFE | $96K | — | $96K | 6.49% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 372043709 | MANHATTANLIFE | $9K | — | $9K | 0.58% |
| MICHAEL K PARROTT3 | 3907 CAMBRIDGE AVE NASHVILLE, TN 372051811 | MANHATTANLIFE | $252 | — | $252 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASEDENA, CA 91109 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $103K | — | $103K | 10.00% |
| 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 | $26K | — | $26K | 10.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LEGAL CLUB OF AMERICA | $26K | — | $26K | 23.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST. INC | 29982 NETWORK PL CHICAGO, IL 60673 | LEGAL CLUB OF AMERICA | $7K | — | $7K | 6.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | PO BOX 305026 NASHVILLE, TN 372305026 | MANHATTANLIFE | $2K | — | $2K | 12.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SER INC-ALPHARETTA | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097631 | MANHATTANLIFE | $487 | — | $487 | 3.13% |
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 | 10,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 258 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 13,879 | $4.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 6,029 | $1.0M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,921 | $4.4M |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,921 | $4.4M |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,921 | $4.4M |
| Other(8 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,421 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,879 | — |
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.
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.