| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HM BENEFITS3 | 8235 FORSYTHE BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $101K | $125K | 4.26% |
| CLJM LLC3 | 8235 FORSYTHE BLVD, SUITE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 0.44% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTHE BLVE STE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $12K | $46K | 15.94% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $5K | $22K | 7.50% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTHE BLVE STE 1200 ST. LOUIS, MO 63105 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $1K | $1K | 15.00% |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 579 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $290K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $290K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $290K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $290K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $290K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
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.