| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $39K | — | $39K | 6.90% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 10.00% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 27.01% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUTIE 250 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.32% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 27.00% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | NATIONAL VISION ADMINISTRATORS, LLC | $935 | — | $935 | 10.00% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 191 | $571K |
| Dental | DELTA DENTAL OF TENNESSEE | 185 | $75K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 167 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 70 | $24K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $36K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 191 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
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.