| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $0 | $40K | 12.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 13.79% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 13.96% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 13.84% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $11K | 17.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $838 | $6K | 18.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 13.94% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $602 | $2K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.5 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $602 | $2K | 19.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $211K |
| ONEDIGITAL (KOP) EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $84K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $63K |
| ONEDIGITAL (CLJM, LLC. DBA HM BENEF EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $53K |
| CONNECTCARE3 EIN 26-1768616 BROKER | Other services Service code 49 | — | $20K |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 766 | $307K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $168K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $180K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $87K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 406 | $599K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.