| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD CLAYTON, MO 63105 | DELTA DENTAL OF INDIANA | $0 | — | $0 | 0.00% |
| VANNER BENEFITS, LLC3 | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $10K | — | $10K | 3.49% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 10.00% |
| CLJM LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER RD, 2ND FL SUMMIT, NJ 07901 | HARTFORD LIFE AND ACCIDENT | $880 | — | $880 | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER RD 2ND FL SUMMIT, NJ 07901 | HARTFORD LIFE INSURANCE CO. | $563 | — | $563 | 14.65% |
| CLJM LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | HARTFORD LIFE INSURANCE CO. | $283 | — | $283 | 7.36% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT CO. | $162 | $14 | $176 | 16.27% |
| CLJM LLC3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | VISION SERVICE PLAN | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $360K |
| CLJM LLC EIN 35-2232153 BROKER | Other commissions Service code 55 | ATTN KATH MALLONEE CLAYTON, MO 63105 | $0 |
| HUNTLEIGH MCGEHEE, INC. EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | $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 | 1,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 358 | $2.6M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,182 | $2.4M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 481 | $2.0M |
| Life insurance(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,107 | $299K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 185 | $66K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 185 | $66K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 358 | $2.3M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 485 | $486K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 185 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,182 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.