| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPOIN HILLS DRIVE #3300 MEMPHIS, TN 38125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $57K | $57K | 5.24% |
| STREAMLINE ENTERPRISES LLC3 | 1661 INTERNATIONAL DR SUITE 140 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $576 | $12K | 21.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.74% |
| STREAMLINE ENTERPRISES LLC3 | 1661 INTERNATIONAL DR SUITE 140 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $242 | $3K | 5.49% |
| STREAMLINE ENTERPRISES LLC3 | 1661 INTERNATIONAL DR SUITE 140 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $547 | $10K | 21.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.65% |
| STREAMLINE ENTERPRISES LLC3 | 1661 INTERNATIONAL DR SUITE 140 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $125 | $2K | 21.16% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $717 | $717 | 6.68% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $604 | $604 | 5.86% |
| STREAMLINE ENTERPRISES LLC3 | 1661 INTERNATIONAL DR SUITE 140 MEMPHIS, TN 38120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $58 | $58 | 0.56% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $50K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $56K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.