| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 11.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 19820 KNOXVILLE, TN 37939 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29982 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 4.26% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $111 | — | $111 | 0.44% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $847 | $50 | $897 | 11.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 1120 S TRYON ST STE 650 CHARLOTTE, NC 28203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 3.20% |
| JOHN R JOHN3 | 6240 POPLAR AVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 1.87% |
| RACHEL WINGFIELD3 | 10287 WATERFORD RD COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.43% |
| EMILY COPELAND3 | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.26% |
| JANICE D RUCKS3 | 691 S BYHALIA RD APT 338 COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.19% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $25 | $273 | 22.86% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $2.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 151 | $78K |
| Vision | VISION SERVICE PLAN | 151 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 29 | $159K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 29 | $159K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 29 | $159K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $2.5M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 296 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.