| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 | 101 2ND ST STE 100 PETALUMA, CA 94952 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $14K | $14K | 5.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTHE BLVD STE 1200 CLAYTON, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 3.54% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.67% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 SASINT LOUIS, MO 63105 | UNION SECURITY INSURANCE COMPANY | $4K | $6K | $10K | 5.23% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | UNION SECURITY INSURANCE COMPANY | $4K | $1K | $5K | 2.81% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | UNION SECURITY INSURANCE COMPANY | $3K | $2K | $5K | 2.69% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEIGHT MCGEHEE | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | UNION SECURITY INSURANCE COMPANY | $2K | $739 | $3K | 1.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $245K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | — | $100K |
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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 233 | $190K |
| Vision | UNION SECURITY INSURANCE COMPANY | 233 | $190K |
| Life insurance(2 contracts) | FARM BUREAU LIFE INSURANCE COMPANY OF MISSOURI | 429 | $417K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 233 | $190K |
| Long-term disability(2 contracts) | FARM BUREAU LIFE INSURANCE COMPANY OF MISSOURI | 353 | $214K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 439 | $282K |
| Other | UNION SECURITY INSURANCE COMPANY | 233 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.