| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY, STE 505 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $50K | — | $50K | 5.00% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH CORP. OF AMERICA | 6803 WEST 64TH ST., STE 208 SHAWNEE MISSION, KS 66202 | HARTFORD LIFE AND ACCIDENT | $35K | $18K | $53K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSCH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PLACE LOCKBOX 29982 CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 1.97% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 372043709 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 905259 CHARLOTTE, NC 282905259 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.47% |
| MICHAEL BACKHOFF3 Filed as: MICHAEL K. PARROT | 2977 SIDCO DR. NASHVILLE, TN 372043709 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 30525 NASHVILLE, TN 37230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.18% |
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 | 1,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 3,376 | $990K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,150 | $172K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,470 | $791K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,470 | $439K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,470 | $791K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,376 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.