| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC3 Filed as: CLJM, LLC | 2925 EAST BATTLEFIELD STREET SUITE 120 SPRINGFIELD, MO 65804 | COMPANION LIFE INSURANCE COMPANY | $4K | $3K | $6K | 16.64% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD, SUITE 206-306 ORLANDO, FL 32832 | COMPANION LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | COMPANION LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.89% |
| CLJM LLC3 Filed as: CLJM, LLC | 2925 EAST BATTLEFIELD STREET SUITE 120 SPRINGFIELD, MO 65804 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $1K | $4K | 13.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 6.18% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $694 | $694 | 2.32% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD, SUITE 206-306 ORLANDO, FL 32832 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $215 | $215 | 0.72% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 182 | $68K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 182 | $30K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 182 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.