| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC DBA CANOPYNATION | 1661 INTERNATIONAL DRIVE SUITE 140 MEMPHIS, TN 38120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $41K | $41K | 20.98% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC DBA CANOPYNATION | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 16.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.71% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.35% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 72 | $197K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $107K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $107K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $107K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $107K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $107K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.