| 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 | $54K | — | $54K | 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 | $43K | $11K | $54K | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 2.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 30525 NASHVILLE, TN 37230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY, STE 505 KNOXVILLE, TN 37919 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 13.59% |
| CROUSE COMPANY LLC4 | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 11.24% |
| GLEN A. SPIDELL4 | 2546 E. 5TH AVE KNOXVILLE, TN 37914 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 8.07% |
| 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 | $509 | — | $509 | 2.36% |
| ANGELINE ANDERSON4 | 213 PETERSON RD KNOXVILLE, TN 37934 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $47 | — | $47 | 0.22% |
| DAVID E. GILLIAM4 | PO BOX 11411 MILWAUKEE, WI 53211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | — | $17 | 0.08% |
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 | 1,438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 3,117 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 979 | $199K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,438 | $635K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,438 | $635K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,438 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,117 | — |
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."
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.