| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 2.04% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 0.67% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.15% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$545 | $3K | $2K | 4.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $262 | $1K | 3.02% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 17.17% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $997 | — | $997 | 2.83% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $724 | $144 | $868 | 2.94% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.66% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $627 | $145 | $772 | 2.92% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 17.31% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $611 | — | $611 | 2.69% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $545 | $545 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Non-monetary compensation; Contract Administrator; Other services; Claims processing; Named fiduciary; Float revenue; Participant communication; Direct payment from the plan Service code 12 | — | $195K |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 510 | $577K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 510 | $577K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $46K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 79 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 510 | $577K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 351 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.