| 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 | $38K | $3K | $41K | 11.65% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 5.75% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.92% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.07% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 12.52% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD,STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 33.41% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.43% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | P.O. BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $345 | — | $345 | 1.19% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| RICHMOND AGENCY INC3 Filed as: RICHMOND, BRIAN C, RICHMOND AGENCY | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| 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 | $68K |
| ALTERNATIVE RISK EIN 20-5152175 INSURANCE SERVICES | Insurance services Service code 23 | — | $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 | 859 | 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) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 702 | $51K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 559 | $73K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 811 | $527K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 811 | $351K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 811 | $351K |
| Prescription drug | CVS PHARMACY, INC. | 904 | $1.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 860 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.