| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 305025 NASHVILLE, TN 37230 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $198 | $198 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN | 26 CENTURY BLVD. NASHVILLE, TN 37230 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TENNESSEE-NASHVILLE TN | P.O. BOX 305025 NASHVILLE, TN 37230 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $6K | — | $6K | 9.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE - NASHVILLE TN | 29982 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $471 | — | $471 | 0.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. P.O. BOX 305025 NASHVILLE, TN 37230 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET, 7TH FL NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 25.00% |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,052 | $428K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 748 | $61K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 523 | $586K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 523 | $586K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 523 | $586K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 728 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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.