| 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 | $25K | — | $25K | 10.68% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.34% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.44% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 9.96% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD,STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 34.46% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 34.40% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | -$2 | $7K | 34.39% |
| HM BENEFITS LLC3 Filed as: HM BENEFITS | 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 |
| MEDICAL COST MANAGEMENT THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | 200 WEST MONROE STREET, SUITE #1850 CHICAGO, IL 60606 | $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 | 851 | 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) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $92K |
| Dental | DELTA DENTAL OF ILLINOIS | 707 | $49K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 826 | $254K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 826 | $235K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 826 | $235K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 710 | $257K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 826 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.