| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC DBA CANOPYNATION | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $100K | $19K | $119K | 11.93% |
| JAS D COLLIER & CO3 Filed as: JAS. D. COLLIER & CO. | 606 S MENDENHALL ROAD, STE 200 MEMPHIS, TN 381174241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 3.07% |
| SAMUEL C. KEMP3 Filed as: SAMUEL C KEMP | PO BOX 1452 CORINTH, MS 38835 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 11.25% |
| ORMA R SMITH III3 Filed as: ORMA R SMITH | 3275 CHAMPION HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 2.53% |
| STREMLINE ENTERPRISES LLC3 | 3275 CHAMPION HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.52% |
| SAMUEL C. KEMP3 Filed as: SAMUEL C KEMP | PO BOX 1452 CORINTH, MS 38835 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 11.25% |
| ORMA R SMITH III3 Filed as: ORMA R SMITH | 3725 CHAMIPON HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 2.55% |
| STREMLINE ENTERPRISES LLC3 | 3275 CHAMPION HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.51% |
| SAMUEL C. KEMP3 Filed as: SAMUEL C KEMP | PO BOX 1452 CORINTH, MS 38835 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 11.25% |
| ORMA R SMITH III3 Filed as: ORMA R SMITH | 3725 CHAMPION HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $979 | $2K | $3K | 3.63% |
| STREMLINE ENTERPRISES LLC1 | 3725 CHAMPION HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| SAMUEL C. KEMP3 Filed as: SAMUEL C KEMP | PO BOX 1452 CORINTH, MS 38835 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.25% |
| ORMA R SMITH III3 Filed as: ORMA R SMITH | 3725 CHAMPION HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $877 | $2K | $3K | 3.93% |
| STREMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DR # 3300 MEMPHIS, TN 38125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
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 | 735 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $225K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $225K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $213K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $213K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 299 | $79K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 735 | $999K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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.