| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL SUITE 700 SAINT LOUIS, MO 63105 | DELTA DENTAL INSURANCE COMPANY | $17K | — | $17K | 7.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL AVE SUITE 700 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 10.15% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL&INSURANCE SRVS INC | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 4.85% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.20% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL | 3505 MT. DIABLO BLVD LAFAYETTE, CA 94549 | EYEMED VISION CARE | $2K | — | $2K | 4.61% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE, LLC | 8112 MARYLAND AVENUE #400 CLAYTON, MO 63105 | EYEMED VISION CARE | $2K | — | $2K | 4.46% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL SUITE 700 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 67.78% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.68% |
No Schedule C service providers reported on this filing.
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 | 624 | 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) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 653 | $245K |
| Vision | EYEMED VISION CARE | 533 | $42K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 864 | $174K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 864 | $174K |
| Other | HARTFORD LIFE AND ACCIDENT | 864 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.