| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $8K | $23K | 12.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVENUE N SUITE 1200 BIRMINGHAM, AL 35203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE N, SUITE 1200 BIRMINGHAM, AL 352032775 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 33.67% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.88% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 482 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $121K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $188K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $188K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 651 | $331K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.