Form 5500 · Employee benefit plan · NASHVILLE, TN
WORKWEAR OUTFITTERS, LLC
The filing calls this plan WORKWEAR OUTFITTERS, LLC HEALTH & WELFARE PLAN.
WORKWEAR OUTFITTERS, LLC of NASHVILLE, TN is a 1,223-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-1517281 · plan 501 · plan year 2025, filed Jun 22, 2026
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1,160 other employer plans in Tennessee have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 40 of 1,223 participants (3.3%) on Schedule A.
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: severance, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 2,045 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $1,302,803, with $90,860 in disclosed broker commissions — about 7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 4 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 2,045 | Jan 1, 2026 | $793,031 | $33,028 |
| HARTFORD LIFE AND ACCIDENT | — | 360 | Jan 1, 2026 | $165,406 | $24,473 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 1,422 | Jan 1, 2026 | $131,225 | $13,128 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 40 | Jan 1, 2026 | $162,347 | $11,364 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 22 | Jan 1, 2026 | $16,663 | $4,799 |
| FEDERAL INSURANCE COMPANY | — | 1,209 | Jul 1, 2025 | $16,272 | $4,068 |
| COMPSYCH CORPORATION | — | 1,631 | Jan 1, 2026 | $17,859 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 809 employees, 24 recordable cases, 25 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
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