| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $76K | $82K | 4.60% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $660 | $18K | 10.33% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 3.02% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD STREET, STE 120 SPRINGFIELD, MO 658044020 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 12.92% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD STREET, STE 120 SPRINGFIELD, MO 65804 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.92% |
No Schedule C service providers reported on this filing.
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 361 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $174K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $174K |
| Life insurance | STANDARD INSURANCE COMPANY | 322 | $53K |
| Short-term disability | STANDARD INSURANCE COMPANY | 322 | $92K |
| Other | PREFERRED RESOURCE NETWORK, INC. | 344 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.