| 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 WAUSA, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 2.71% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE CO OF AMERICA | $13K | — | $13K | 7.24% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON RD STE 500 PO BOX 419151 ST LOUIS, MO 63141 | UNUM LIFE INSURANCE CO OF AMERICA | $13K | — | $13K | 7.22% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTHE STE 1200 SAINT LOUIS, MO 631051643 | HUMANADENTAL INSURANCE COMPANY | $4K | — | $4K | 3.48% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTHE STE 1200 SAINT LOUIS, MO 631051643 | HUMANDENTAL INSURANCE COMPANY | $3K | — | $3K | 8.06% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH STE 1200 SAINT LOUIS, MO 631051643 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 7.63% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC HUNTLEIGH MCGEHEE | 8235 FORSYTHE STE 1200 SAINT LOUIS, MO 631051643 | KANAWHA INSURANCE COMPANY | $531 | — | $531 | 5.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BEN. MNGT | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $379K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $316K |
| CLJM LLC DBA HM BENEFITS BROKER | Other commissions Service code 55 | — | $105K |
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 | 299 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 197 | $122K |
| Vision | HUMANDENTAL INSURANCE COMPANY | 253 | $38K |
| Stop-loss / reinsurancereinsurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 628 | $565K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 72 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
No prospect flags tripped on this filing.