| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 6.92% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.33% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BOULEVARD, SUITE 1200 ST. LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $606 | $256 | $862 | 1.77% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BOULEVARD, SUITE 1200 ST. LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $268 | $166 | $434 | 1.29% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $602 | — | $602 | 4.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BOULEVARD, SUITE 1200 ST. LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $527 | $73 | $600 | 4.15% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $172 | — | $172 | 4.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BOULEVARD, SUITE 1200 ST. LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37 | $23 | $60 | 1.44% |
No Schedule C service providers reported on this filing.
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $102K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $102K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $34K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 301 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.