| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $160K | $31K | $191K | 9.89% |
| MARK J POMARO & ASSOCIATES3 | 5313 SANDY TRAIL COURT PLANO, TX 75023 | NORTH AMERICAN SPECIALTY INS | $17K | — | $17K | 17.50% |
| COMBINED INDEPENDENT AGENCIES3 | 14785 PRESTON RD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INS | $3K | $6K | $9K | 9.12% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON RD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN SPECIALTY INS | — | $4K | $4K | 4.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $949 | $502 | $1K | 3.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 55 BEATTIE PLACE SUITE 200 GREENVILLE, SC 29601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $440 | — | $440 | 1.11% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL RD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.02% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 Filed as: THE MATHIS-HILL-ROBERTSON AGEN | 5040 ROSWELL RD SUITE 100 ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSE, INC. | SUMMIT GLOBAL EMERSON REID LLC KNOXVILLE, TN 37919 | GERBER LIFE INSURANCE CO. | $505 | — | $505 | 11.91% |
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 | 2,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,067 | $1.5M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,297 | $2.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,177 | $167K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,297 | $1.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,297 | $1.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,297 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 145 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,297 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,297 | — |
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.