| 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 | $35K | $2K | $37K | 11.49% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 8.38% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.53% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $987 | $8K | 5.75% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD,STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 33.38% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.12% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | P.O. BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $439 | — | $439 | 1.34% |
| HM BENEFITS LLC3 Filed as: HM BENEFITS | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 63105 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $368 | — | $368 | 14.98% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 103142157 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $368 | $368 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHLINK, INC. EIN 43-1364135 PROVIDER NETWORK | Claims processing Service code 12 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $69K |
| AMERICAN HEALTH HOLDING CASE MGMT VENDOR | 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 |
| CREATIVE RISK INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 9207 DES MOINES, IA 50306 | $0 |
| MEDICAL COST MANAGEMENT UTILIZATION REVIEW VENDO | 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 | 862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 575 | $95K |
| Dental | DELTA DENTAL OF ILLINOIS | 716 | $52K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $490K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $325K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $325K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 860 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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."
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.