| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEIGH MCGHEE | 8235 FORSYTH BLVD., STE 1200 CLAYTON, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 5.30% |
| ENROLLEASE3 Filed as: DIGITAL INS. INC. DBA ONEDIGITAL | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 3.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY WTE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF MISSOURI | $28K | $0 | $28K | 15.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $350K |
| DIGITAL INSURANCE INC EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | $59K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | ATTN KATH MALLONEE 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | $42K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $230K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $230K |
| Life insurance(2 contracts) | FARM BUREAU LIFE INSURANCE COMPANY OF MISSOURI | 406 | $436K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 510 | $232K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE-STEALTH PARTNER GROUP | 445 | $436K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 278 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.