| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $6K | $52K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 7.70% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 2.30% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 22.26% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $844 | — | $844 | 6.68% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 252 | $1.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 222 | $76K |
| Vision | VISION SERVICE PLAN | 98 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 150 | $50K |
| Long-term disability | STANDARD INSURANCE COMPANY | 150 | $50K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 252 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
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.