Form 5500 · Employee benefit plan · MURFREESBORO, TN
ENOVATE MEDICAL LLC
ENOVATE MEDICAL LLC of MURFREESBORO, TN files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is ALLIANT INS SERVICES INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-1582253 · plan 501 · plan year 2025, filed Apr 9, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 165 people.
Reported premium across the insured contracts is $445,545, with $9,618 in disclosed broker commissions — about 2.2% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
ALLIANT INS SERVICES INC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and SUN LIFE ASSURANCE COMPANY OF CANADA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 133 | Jul 1, 2025 | $44,127 | $6,566 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 165 | Jul 1, 2025 | $401,418 | $3,052 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 650588. For the contract year on this filing, the carrier reported $401,418 in premium earned and $429,539 in claims incurred. Dividing one by the other gives 107%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 650588 reported $22,351 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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