| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BLVD. NASHVILLE, TN 37214 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 1.52% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $35K | $35K | 1.50% |
| PARADIGM GROUP3 | 1600 DIVISION ST. 220 NASHVILLE, TN 37203 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $215 | $215 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 305025 NASHVILLE, TN 37230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $1K | $15K | 9.97% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 305025 NASHVILLE, TN 37230 | RELIANCE STANDARD INSURANCE COMPANY | $6K | $658 | $7K | 9.01% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | RELIANCE STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 305025 NASHVILLE, TN 37230 | RELIANCE STANDARD INSURANCE COMPANY | $4K | $504 | $5K | 9.05% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 30525 NASHVILLE, TN 372305025 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.27% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $723 | — | $723 | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | PO BOX 305025 NASHVILLE, TN 37230 | RELIANCE STANDARD INSURANCE COMPANY | $386 | $26 | $412 | 13.22% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | RELIANCE STANDARD INSURANCE COMPANY | $81 | — | $81 | 2.60% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 641 | $2.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 468 | $32K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 493 | $146K |
| Short-term disability | RELIANCE STANDARD INSURANCE COMPANY | 311 | $72K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 311 | $55K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 641 | $2.4M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 493 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.