| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SVCS INC | 2620 THOUSAND OAKS BLVD MEMPHIS, TN 38118 | PRUDENTIAL | $8.1M | $0 | $8.1M | 19.98% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE RD STE 325 ALPHARETTA, GA 30005 | PRUDENTIAL | $107K | $0 | $107K | 0.27% |
| DONALD HURWITZ3 Filed as: DONALD HURWITZ III | 1600 DIVISION ST, SUITE 400 NASHVILLE, TN 37203 | PRUDENTIAL | $107K | $0 | $107K | 0.27% |
| WILLIAM KELLY3 Filed as: WILLIAM KELLY JR | 3100 WEST END AVE STE 905 NASHVILLE, TN 37203 | PRUDENTIAL | $59K | $0 | $59K | 0.36% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $156K | — | $156K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-INDIANAPOLIS | 29840 NETWORK PLACE CHICAGO, IL 606731298 | COMPBENEFITS | $23K | — | $23K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVE. STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.10% |
| WILLIAM KELLY3 | 3100 WEST END AVENUE, SUITE 940 NASHVILLE, TN 37203 | LEGALACCESS | — | $54K | $54K | 3.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $15K | — | $15K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY | 3100 WEST END AVENUE, SUITE 905 C/O VOLUNTARY EMP BENEFIT ADVISORS NASHVILLE, TN 372031394 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 4.93% |
| WILLIAM KELLY3 | 3100 WEST END AVE STE 905 C/O VOLUNTARY EMPLOYEE BENEFITS NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 4.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 1.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD. NE, STE. 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 1.00% |
| WILLIAM KELLY3 Filed as: WILLIAM A KELLY, JR | 3100 W END AVE STE 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | — | $61K | $61K | 14.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3565 PIEDMONT RD NE, SUITE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 1.00% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 Filed as: VOLUNTARY EMPLOYEE BENEFITS ADVISOR | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $704 | — | $704 | 0.86% |
| WILLIAM KELLY3 Filed as: WILLIAM A. KELLY, JR. | 3100 WEST END AVE. STE. 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | — | $16K | $16K | 20.50% |
| AON CONSULTING INC3 Filed as: AON HEWITT | — | DELTA DENTAL OF CALIFORNIA | $24K | — | $24K | — |
| AON CONSULTING INC3 | — | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $393K | $0 | $393K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $148K | $0 | $148K | — |
| WILLIAM KELLY3 Filed as: WILLIAM KELLY JR | 3100 WEST END AVE STE 905 NASHVILLE, TN 37203 | PRUDENTIAL | $94K | $0 | $94K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $51K | $0 | $51K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBS TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE INSURANCE EIN 36-2739571 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $34.3M |
| AETNA LIFE INSURANCE CO. EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $22.7M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMINISTRATION | Other services; Named fiduciary; Participant communication; Claims processing; Non-monetary compensation; Float revenue; Direct payment from the plan; Contract Administrator Service code 12 | — | $17.8M |
| BEACON HEALTH OPTIONS EIN 54-1414194 INSURANCE CARRIER | Insurance services Service code 23 | — | $4.0M |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 CLAIM ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $3.7M |
| BLUECROSS BLUESHIELD OF FLORIDA EIN 59-2015694 ASO FEES 31539 | Contract Administrator; Claims processing; Insurance agents and brokers Service code 12 | — | $957K |
| BCBS OF FLORIDA EIN 59-2015694 PLAN SPONSOR | Claims processing; Contract Administrator; Insurance agents and brokers Service code 12 | — | $461K |
| AETNA EIN 22-2232264 AON CONSULTING | Contract Administrator Service code 13 | — | $0 |
| CIGNA | Claims processing; Other services; Named fiduciary; Float revenue; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator Service code 12 | — | $0 |
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 | 173,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 658 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173,831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | COMPBENEFITS | 867 | $12.1M |
| Dental(16 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 27,374 | $17.6M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 266,452 | $16.4M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL | 254,986 | $18.4M |
| Short-term disability(3 contracts) | PRUDENTIAL | 254,986 | $56.7M |
| Long-term disability | PRUDENTIAL | 254,986 | $0 |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254,986 | $12.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266,452 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.