| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $134K | $9K | $144K | 22.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $3K | $22K | 11.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 11.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 11.71% |
| LAWRENCE R. SMITH3 | 1397 E BLUE CREEK RD WAVERLY, TN 37185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.77% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICE | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $518 | $4K | 11.67% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 775 | $675K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 775 | $675K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 775 | $641K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 364 | $192K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 364 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 364 | $83K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 775 | $675K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.