| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 10.62% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 34.49% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 16.68% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $768 | $9K | 10.82% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD,STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF ILLINOIS | $15K | — | $15K | 34.55% |
| SMTIH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $629 | $3K | 55.99% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 45.01% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 63105 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $389 | — | $389 | 14.99% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 103142157 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $389 | $389 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH HOLDING ADMINISTRATOR | Investment management Service code 28 | PO BOX 6016 WORTHINGTON, OH 43085 | $0 |
| CLJM LLC DBA HUNTLEIGH MCGEHEE BROKER | Contract Administrator Service code 13 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | $0 |
| HEALTHLINK, INC. ADMINISTRATOR | Claims processing Service code 12 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $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 | 820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 517 | $84K |
| Dental | DELTA DENTAL OF ILLINOIS | 687 | $45K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 754 | $216K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 754 | $210K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 754 | $210K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 754 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.