| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $7K | $43K | 17.95% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N KIRKWOOD ROAD, STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 8.09% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $779 | $9K | 24.19% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $756 | $3K | 9.10% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.16% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC CBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $526 | $4K | 20.84% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $526 | $2K | 10.05% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $821 | $0 | $821 | 4.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE BROKER | Insurance agents and brokers Service code 22 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | $55K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $45K |
| UMR EIN 39-1995276 ADMIN | Insurance agents and brokers Service code 22 | — | $34K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $15K |
| DISCOVERY BENEFITS EIN 90-0058554 ADMIN | Claims processing Service code 12 | — | $8K |
| AETNA BEHAVIORAL HEALTH, LLC ADMIN | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $2K |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $240K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $240K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $240K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $240K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $240K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 241 | $276K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.