| 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 | $132K | — | $132K | 10.00% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC DBA CANOPYNATION | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | — | $68K | 15.76% |
| JAS D COLLIER & CO1 | 606 S MENDENHALL ROAD, STE 200 MEMPHIS, TN 381174241 | SUN LIFE ASURANCE COMPANY OF CANADA | $7K | — | $7K | 2.84% |
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 | 721 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASURANCE COMPANY OF CANADA | 357 | $261K |
| Vision | SUN LIFE ASURANCE COMPANY OF CANADA | 357 | $261K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $430K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $430K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $430K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 721 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.