| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUE CROSS BLUE SHIELD | $22K | — | $22K | 1.88% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | EXCELLUS BLUE CROSS BLUE SHIELD | $18K | — | $18K | 1.52% |
| 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 | $8K | — | $8K | 0.72% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 4.12% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 2.76% |
| 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 | $960 | — | $960 | 1.37% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | $140 | $3K | 15.82% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EYEMED VISION CARE | $762 | — | $762 | 5.67% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | EYEMED VISION CARE | $700 | — | $700 | 5.21% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 15.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $2K | $59 | $2K | 15.52% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 15.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 15.00% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $1K | $108 | $1K | 16.30% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $1K | $107 | $1K | 16.42% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | CIGNA LIFE INSURANCE CO OF NEW YORK | $278 | $19 | $297 | 16.04% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $262 | — | $262 | 15.00% |
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 | 78 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 79 | $1.2M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 79 | $70K |
| Vision | EYEMED VISION CARE | 163 | $13K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 152 | $30K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 98 | $18K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 79 | $1.2M |
| Other(6 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 135 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.