| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $17K | $17K | 7.76% |
| CLJM LLC3 Filed as: CLJM, LLC | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 15.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $347K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | $101K |
| RXBENEFITS, INC EIN 63-1157085 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | 3700 COLONNADE PKWY, STE 600 BIRMINGHAM, AL 35243 | $5K |
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 | 514 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $223K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $223K |
| Life insurance(2 contracts) | FARM BUREAU LIFE INSURANCE COMPANY OF MISSOURI | 423 | $431K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 514 | $230K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE-STEALTH PARTNER GROUP | 449 | $310K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 274 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.