| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| CLJM LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| VANNER BENEFITS, LLC3 Filed as: VANNER BENEFITS LLC | 11 PINCHOT COURT AMHERST, NY 14228 | HEALTHNOW NEW YORK, INC DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | — | $2K | 3.47% |
| HEALTHNOW ADMINISTRATIVE SERVICES3 | 801 LAKEVIEW DRIVE BLUE BELL, PA 19422 | HEALTHNOW NEW YORK, INC DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | — | $544 | $544 | 0.85% |
| CLJM LLC3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | VISION SERVICE PLAN | $2K | — | $2K | 6.49% |
| CLJM LLC3 | 8235 FORSYTH BLVD, SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $934 | — | $934 | 15.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE INC | 8235 FORSYTH BLVD #1200 ST LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT CO | $0 | — | $0 | 0.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $320K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $20K |
| CLJM LLC BROKER | Other commissions Service code 55 | ATTN KATH MALLONEE CLAYTON, MO 63015 | $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 | 911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 349 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 349 | $2.4M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 417 | $2.4M |
| Life insurance(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 875 | $247K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 179 | $54K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 179 | $54K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 349 | $2.5M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 369 | $382K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 179 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.