| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 2.70% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE CO OF AMERICA | $12K | — | $12K | 8.24% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON RD. STE 500 P O BOX 419151 ST LOUIS, MO 63141 | UNUM LIFE INSURANCE CO OF AMERICA | $11K | — | $11K | 7.39% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTHE STE 1200 SAINT LOUIS, MO 631051643 | HUMANADENTAL INSURANCE COMPANY | $4K | — | $4K | 3.50% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC HUNTLEIGH MCGEHEE | 8235 FORSYTHE STE 1200 SAINT LOUIS, MO 631051643 | HUMANADENTAL INSURANCE COMPANY | $2K | — | $2K | 8.09% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTHE STE 1200 SAINT LOUIS, MO 631051643 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 14.22% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTHE STE 1200 SAINT LOUIS, MO 631051643 | KANAWHA INSURANCE COMPANY | $582 | — | $582 | 6.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BEN.MNGT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $364K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $315K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | — | $103K |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INCURANCE COMPANY | 460 | $258K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 181 | $117K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 223 | $29K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 616 | $258K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 95 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.