| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC DBA CANOPY NATIO | 1661 INTERNATIONAL DRIVE SUITE 140 MEMPHIS, TN 38120 | CIGNA HEALTHCARE | $95K | $79K | $173K | 15.58% |
| STREAMLINE ENTERPRISES LLC3 | DBA CANOPY NATION 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $155 | $3K | 1.44% |
| STREAMLINE ENTERPRISES LLC Filed as: STREAMLINE ENT LLC DBA CANOPY NATIO | CANOPY NATION-ORMA SMITH 1661 INTERNATIONAL DR STE 140 MEMPHIS, TN 38120 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 6.63% |
| STREAMLINE ENTERPRISES LLC3 | DBA CANOPY NATION-ORAM SMITH 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | DELTA DENTAL OF TENNESSEE | $1K | — | $1K | 1.71% |
| STREAMLINE ENTERPRISES LLC3 | DBA CANOPY NATION-ORMA SMITH 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | DELTA DENTAL OF TENNESSEE | $1K | — | $1K | 1.64% |
| SMITH III, ORMA R3 | 3725 CHAMPION HILLS DR SUITE 330 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $167 | $3K | 10.34% |
| STREAMLINE ENTERPRISES LLC3 | DBA CANOPY NATION 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $409 | $31 | $440 | 1.60% |
| STREAMLINE ENTERPRISES LLC3 | DBA CANOPY NATION 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $153 | $3K | 15.77% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE | 136 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 203 | $80K |
| Vision | CIGNA HEALTHCARE | 136 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $28K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.