| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $11K | $8K | $20K | 3.11% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $14K | $4K | $18K | 15.20% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | HUMANA INSURANCE COMPANY | $450 | — | $450 | 3.95% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 1.43% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 3.95% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PURK & ASSOCIATES, P.C. EIN 26-4532849 NONE | Accounting (including auditing) Service code 10 | — | $50K |
| CEMENT MASONS LOCAL 527 EIN 43-0210270 MEMBERS COVERED BY PLAN | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $48K |
| HUNTLEIGH MCGEHEE NONE | Consulting (general) Service code 16 | 8235 FORSYTH BLVD 1200 ST. LOUIS, MO 63105 | $41K |
| YVETTE HUBBS EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $39K |
| COMMERCE BANK EIN 43-0554795 NONE | Custodial (securities) Service code 19 | 8000 FORSYTH, 4TH FLOOR ST. LOUIS, MO 63105 | $39K |
| ROBYN JOHNSON EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $39K |
| CEMENT MASONS LOCAL 527 PENSION PLA EIN 51-0179270 COMMON MEMBERSHIO | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $24K |
| ANTHEM BC & BS EIN 86-0257201 NONE | Claims processing Service code 12 | — | $14K |
| MADDOCK HENSON | Accounting (including auditing) Service code 10 | 5353 S. LINDBERGH BLVD. ST. LOUIS, MO 63126 | $6K |
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 | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | BCS INSURANCE COMPANY | 537 | $246K |
| Dental | GUARDIAN INSURANCE | 688 | $633K |
| Vision | VISION SERVICE PLAN | 699 | $74K |
| Life insurance | GUARDIAN INSURANCE | 551 | $116K |
| Short-term disability | GUARDIAN INSURANCE | 688 | $633K |
| Other | GUARDIAN INSURANCE | 551 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.