| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON RD SUITE 500 ST. LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.21% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST SUITE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $5K | $12K | 15.25% |
| RICCI ASSOCIATES INC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.41% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST SUITE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.94% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST SUITE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.71% |
| RICCI ASSOCIATES INC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.53% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST SUITE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 12.69% |
| RICCI ASSOCIATES INC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $764 | — | $764 | 4.19% |
| RICCI ASSOCIATES INC3 | 955 EXECUTIVE PARKWAY SUITE 100 CREVE COEUR, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $198 | $198 | — |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 601 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 601 | $2.9M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 601 | $2.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $68K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.