| 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% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DNA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 5.93% |
| CLMJ LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.80% |
| VANNER BENEFITS, LLC3 Filed as: VANNER BENEFITS LLC | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $3K | — | $3K | 3.50% |
| CLJM LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $311 | — | $311 | 6.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER RD 2ND FLOOR SUMMIT, NJ 07901 | HARTFORD LIFE AND ACCIDENT | $242 | — | $242 | 5.37% |
| CLMJ LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $0 | $4 | $4 | 0.31% |
| 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. | $0 | $0 | $0 | 0.00% |
| CLJM LLC3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | VISION SERVICE PLAN | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEATLHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $391K |
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 | 1,210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 346 | $2.6M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,207 | $2.5M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 497 | $2.2M |
| Life insurance(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 884 | $237K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 184 | $67K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 184 | $67K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 346 | $2.3M |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICAN INSURANCE COMPANY | 479 | $430K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 184 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.