| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | $12K | — | $12K | 0.75% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | $36K | $80K | 5.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD., SUITE 200 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $69K | — | $69K | 5.05% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5910 TOOLE DR. KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 4.84% |
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 | 3,241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 6,317 | $1.6M |
| Vision | STANDARD INSURANCE COMPANY | 2,437 | $206K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,241 | $1.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,241 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,241 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,241 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,317 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.