| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | EXCELLUS BLUE CROSS BLUE SHIELD | $35K | — | $35K | 2.99% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $12K | — | $12K | 1.02% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 7.09% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $4K | $554 | $4K | 17.24% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | $378 | $3K | 16.86% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | $338 | $3K | 16.69% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | EYEMED VISION CARE | $1K | — | $1K | 9.70% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $2K | $379 | $2K | 18.18% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $496 | $80 | $576 | 17.41% |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 85 | $1.2M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 83 | $72K |
| Vision | EYEMED VISION CARE | 173 | $13K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 159 | $25K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 102 | $20K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 85 | $1.2M |
| Other(3 contracts) | CIGNA LIFE INSURANCE CO OF NEW YORK | 139 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.