| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $96K | $26K | $122K | 6.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | UNITED HEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 4.97% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 4.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 19820 KNOXVILLE, TN 37939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.64% |
| MICHAEL K PARROTT3 | 3907 CAMBRIDGE AVE NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.37% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 7.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 19820 KNOXVILLE, TN 37939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.89% |
| MICHAEL K PARROTT3 Filed as: MICHAEL PARROTT | 3907 CAMBRIDGE AVE NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.69% |
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 | 9,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 643 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 15,823 | $804K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,131 | $1.8M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,131 | $1.8M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 9,131 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,823 | — |
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.