| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORMA R SMITH III3 Filed as: ORMA RINEHART SMITH | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF ILLINOIS | $96K | $3 | $96K | 3.88% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES LLC D/B/A CA | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $10 | $3K | 2.77% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC DB | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $654 | $12K | 15.32% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC DB | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $316 | $9K | 23.44% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.93% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 337 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $125K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 181 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $119K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $80K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.