| 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 | $10K | $13K | $23K | 4.19% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | BCS INSURANCE COMPANY | — | — | $0 | 0.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $11K | $5K | $16K | 17.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CEMENT MASONS LOCAL 527 EIN 43-0210270 MEMBERS COVERED BY PLAN | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $67K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $45K |
| YVETTE HUBBS EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $42K |
| ROBYN JOHNSON EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $40K |
| COMMERCE BANK EIN 43-0554795 NONE | Custodial (securities) Service code 19 | 8000 FORSYTH, 4TH FLOOR ST. LOUIS, MO 63105 | $40K |
| CEMENT MASONS LOCAL 527 PENSION PLA EIN 51-0179270 COMMON MEMBERSHIO | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $21K |
| ANTHEM BC & BS EIN 86-0257201 NONE | Claims processing Service code 12 | — | $14K |
| PURK & ASSOCIATES, P.C. EIN 26-4532849 NONE | Accounting (including auditing) Service code 10 | — | $8K |
| J.W. TERRILL NONE | Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DR CHESTERFIRLD, MO 63017 | $7K |
| MADDOCK HENSON | Accounting (including auditing) Service code 10 | 5353 S. LINDBERGH BLVD. ST. LOUIS, MO 63126 | $7K |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 515 | $183K |
| Dental | GUARDIAN INSURANCE | 679 | $548K |
| Vision | VISION SERVICE PLAN | 681 | $74K |
| Life insurance | GUARDIAN INSURANCE | 544 | $95K |
| Short-term disability | GUARDIAN INSURANCE | 679 | $548K |
| Other | GUARDIAN INSURANCE | 544 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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."
No prospect flags tripped on this filing.