| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 3.96% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 600 EAST 96TH STREET, SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $954 | $5K | 6.04% |
| ONI RISK PARTNERS INC3 Filed as: ONI INSURANCE GROUP, INC. | 600 EAST 96TH STREET, SUITE 400 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.51% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | PO BOX 80159 INDIANAPOLIS, IN 46280 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $885 | $885 | 0.98% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $438 | $75 | $513 | 0.57% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENT LLC | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $833 | $315 | $1K | 7.29% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | PO BOX 80159 INDIANAPOLIS, IN 46280 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.04% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $597K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $90K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 171 | $10K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $106K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $90K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $90K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $597K |
| Other | USABLE LIFE | 151 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.