| 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 | $19K | $4K | $23K | 10.96% |
| 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 | $537 | — | $537 | 0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE N, SUITE 1200 BIRMINGHAM, AL 352032775 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 14.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVENUE NORTH, SUITE 725 BIRMINGHAM, AL 35203 | HM LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | COWAN BENEFIT SERVICES 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.72% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 5.70% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 559 | $84K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $200K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $206K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 721 | $406K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 666 | $137K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.