| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC | MAARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $8K | $8K | 2.73% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH STE 1200 SAINT LOUIS, MO 631051673 | HUMANADENTAL INSURANCE COMPANY | $4K | — | $4K | 3.39% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH STE 1200 SAINT LOUIS, MO 631051643 | HUMANDENTAL INSURANCE COMPANY | $3K | — | $3K | 7.89% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH STE 1200 SAINT LOUIS, MO 631051643 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 8.30% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH STE 1200 SAINT LOUIS, MO 631051643 | KANAWHA INSURANCE COMPANY | $570 | — | $570 | 6.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BEN. MNGT | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $510K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $315K |
| CLJM LLC DBA HM BENEFITS EIN 39-1995276 BROKER | Other commissions Service code 55 | — | $104K |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 201 | $132K |
| Vision | HUMANDENTAL INSURANCE COMPANY | 237 | $36K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 642 | $606K |
| Other(2 contracts) | KANAWHA INSURANCE COMPANY | 59 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.