| 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 | $47K | — | $47K | 5.00% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH CORP. OF AMERICA | 16011 COLLEGE BLVD. STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $45K | $12K | $57K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 2.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 30525 NASHVILLE, TN 37230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.32% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 18.23% |
| MICHAEL BACKHOFF3 Filed as: MICHAEL K. PARROT | 2977 SIDCO DR. NASHVILLE, TN 37204 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.70% |
| BRIELLE N. HOFFMAN CROUSE4 | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 11.17% |
| GLEN A. SPIDELL4 | 2546 E. 5TH AVE KNOXVILLE, TN 37914 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 7.58% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF TENNESSEE INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $465 | — | $465 | 2.52% |
| SHIRLEY L ROBERSON4 | 954 FORD CREEK RD GRAY, TN 37615 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.16% |
| DAVID E. GILLIAM4 | PO BOX 11411 MILWAUKEE, WI 53211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $18 | — | $18 | 0.10% |
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 | 1,373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,997 | $945K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,306 | $152K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,373 | $739K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,373 | $624K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,373 | $757K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,997 | — |
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.