| 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 | $20K | — | $20K | 5.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 4.17% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | THE HARTFORD | $12K | $4K | $16K | 5.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | THE HARTFORD | $10K | — | $10K | 3.51% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 631417088 | UNITED HEALTHCARE INSURANCE COMPANY | $775 | — | $775 | 2.03% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | HARTFORD LIFE AND ACCIDENT | $237 | — | $237 | 2.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 631505115 | HARTFORD LIFE AND ACCIDENT | $117 | — | $117 | 0.99% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CJLM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH, STE. 1200 CLAYTON, MO 631051643 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 13655 RIVERPORT DRIVE MARYLAND HEIGHTS, MO 63043 | $280K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ST. LOUIS, MO 63127 | $47K |
| CJLM, LLC DBA HUNTLEIGH MCGEHEE EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | $0 |
| LOCKTON COMPANIES LLC BROKER | Other commissions Service code 55 | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 631417088 | $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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 9 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 883 | $38K |
| Dental | DELTA DENTAL OF MISSOURI | 860 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 883 | $38K |
| Life insurance | THE HARTFORD | 487 | $275K |
| Long-term disability | THE HARTFORD | 487 | $275K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 419 | $338K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 487 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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.