| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 1.57% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 1.00% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $70K | $70K | 2.94% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| SMITH III, ORMA R3 Filed as: SMITH, ORMA, RINEHART | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $272 | $13K | 15.74% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DR MEMPHIS, TN 38125 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST | 480 OIL WELL ROAD JACKSON, TN 38305 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 492 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 492 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $228K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $228K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $228K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.