| 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 | $18K | — | $18K | 7.00% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 15.89% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.85% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL SUITE 700 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | -$1K | — | -$1K | -0.89% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL | 3505 MT. DIABLE BLVD LAFAYETTE, CA 94549 | EYEMED VISION CARE | $4K | — | $4K | 6.60% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL SUITE 700 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 32.20% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 688 | $256K |
| Vision | EYEMED VISION CARE | 540 | $62K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 665 | $124K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 665 | $124K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 665 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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."
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.