| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 18.19% |
| GIS BENEFITS INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STREAMLINE ENTERPRISES, LLC DBA CAN BROKER | Insurance agents and brokers Service code 22 | 1661 INTERNATIONAL DR STE 140 MEMPHIS, TN 38120 | $18K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $5K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 90 | $65K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 90 | $65K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 90 | $65K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 90 | $65K |
| Short-term disability(2 contracts, 2 carriers) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 90 | $169K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 90 | $65K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 90 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.