| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | GUARDIAN LIFE INSURANCE COMPANY | $83K | $19K | $102K | 10.54% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | UNITED HEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 16.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 13685 RIVERPORT DRIVE CLAYTON, MO 63105 | $361K |
| CLJM LLC DBA HUNTLEIGH MCGEHEE EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | $0 |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,125 | $280K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,394 | $966K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 1,394 | $966K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,394 | $966K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,394 | $966K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,125 | $280K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,125 | $280K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,394 | $966K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,394 | — |
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."
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.