| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $18K | $5K | $24K | 6.36% |
| ENROLLEASE3 Filed as: HUB INTL MIDWEST LTD/COWAN BENEFIT | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 5.07% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $11K | $3K | $15K | 6.42% |
| ENROLLEASE3 Filed as: HUB INTL MIDWEST LTD/COWAN BENEFIT | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 5.05% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $8K | $2K | $10K | 6.50% |
| ENROLLEASE3 Filed as: HUB INTL MIDWEST LTD/COWAN BENEFIT | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.02% |
| MOWERY INSURANCE INC3 | 9050 EXECUTIVE PARK DR, STE C100 KNOXVILLE, TN 37923 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| MOWERY INSURANCE INC3 | 9050 EXECUTIVE PARK DR STE C100 KNOXVILLE, TN 37923 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 15.00% |
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 | 1,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 257 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,083 | $375K |
| Short-term disability | STANDARD INSURANCE COMPANY | 360 | $159K |
| Long-term disability | STANDARD INSURANCE COMPANY | 623 | $230K |
| Other(3 contracts, 2 carriers) | HRI DBA HUMANA WELLNESS | 906 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.