| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | UNITED HEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | THE HARTFORD | $24K | $4K | $27K | 10.85% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | HARTFORD LIFE AND ACCIDENT | $383 | $164 | $547 | 4.28% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | DELTA DENTAL OF MISSOURI | $15K | — | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 13655 RIVERPORT DRIVE MARYLAND HEIGHTS, MO 63043 | $309K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ST. LOUIS, MO 63127 | $50K |
| CJLM, LLC DBA HUNTLEIGH MCGEHEE EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | $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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 10 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 940 | $39K |
| Dental | DELTA DENTAL OF MISSOURI | 930 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 940 | $39K |
| Life insurance | THE HARTFORD | 536 | $252K |
| Long-term disability | THE HARTFORD | 536 | $252K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 432 | $328K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 563 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.