| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 3.09% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DR MEMPHIS, TN 38125 | METROPLOITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST | 480 OIL WELL ROAD JACKSON, TN 38305 | METROPLOITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.01% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $802 | $17K | 17.21% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | STE 3300 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $805 | $16K | 18.38% |
| SMITH III, ORMA R3 Filed as: SMITH, ORMA, RINEHART | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $67 | $11K | 12.17% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.97% |
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 | 591 | 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) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 591 | $120K |
| Vision | METROPLOITAN LIFE INSURANCE COMPANY | 591 | $120K |
| Life insurance | METROPLOITAN LIFE INSURANCE COMPANY | 591 | $120K |
| Short-term disability | METROPLOITAN LIFE INSURANCE COMPANY | 591 | $120K |
| Long-term disability | METROPLOITAN LIFE INSURANCE COMPANY | 591 | $120K |
| Other | METROPLOITAN LIFE INSURANCE COMPANY | 591 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.