| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS, LLC | P.O. BOX 1439 HENDERSONVILLE, TN 37077 | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | $30K | $111K | $141K | 51.64% |
| HSTECHNOLOGY SOLUTIONS, INC3 Filed as: HSTECHNOLOGY SOLUTIONS, INC. | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $27K | $27K | 10.03% |
| RISK STRATEGIES COMPANY3 Filed as: RISK SOLUTIONS CAPTIVE | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $19K | $19K | 6.87% |
| MEDWATCH LLC3 Filed as: MEDWATCH | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $14K | $14K | 5.09% |
| PHCS3 | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $12K | $12K | 4.33% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: INNOVATIVE CARE MANAGEMENT | — | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | — | $18 | $18 | 0.01% |
| SMITH III, ORMA R3 Filed as: SMITH, ORMA, RINEHART | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 15.29% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.49% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DR MEMPHIS, TN 38125 | METROPLOITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.01% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $539 | $16K | 13.29% |
| ORMA R SMITH III3 Filed as: ORMA SMITH III | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $280 | $280 | 0.24% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | STE 3300 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $527 | $15K | 13.78% |
| ORMA R SMITH III3 Filed as: ORMA SMITH III | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $238 | $238 | 0.22% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY | $16K | $539 | $17K | 15.49% |
| ORMA R SMITH III3 Filed as: ORMA SMITH III | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY | — | $280 | $280 | 0.26% |
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 | 598 | 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) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 598 | $131K |
| Vision | METROPLOITAN LIFE INSURANCE COMPANY | 598 | $131K |
| Life insurance(2 contracts, 2 carriers) | METROPLOITAN LIFE INSURANCE COMPANY | 598 | $131K |
| Short-term disability | METROPLOITAN LIFE INSURANCE COMPANY | 598 | $131K |
| Long-term disability | METROPLOITAN LIFE INSURANCE COMPANY | 598 | $131K |
| Other | METROPLOITAN LIFE INSURANCE COMPANY | 598 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.