| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 400 CHESTERFIELD CTR #320 CHESTERFIELD, MO 63017 | EBSO, INC. | — | $22K | $22K | 13.66% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 400 CHESTERFIELD CTR #320 CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 2.88% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | DELTA DENTAL OF MISSOURI | $352 | — | $352 | 0.40% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 ST. LOUIS, MO 63102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.98% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $850 | — | $850 | 3.02% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 ST. LOUIS, MO 63102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.83% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $328 | — | $328 | 3.16% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 ST. LOUIS, MO 63102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $750 | — | $750 | 7.88% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 2.11% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $357 | — | $357 | 9.98% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD #1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $180 | — | $180 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBSO EIN 39-1277023 ADMINISTRATOR | Participant communication; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $78K |
| HEALTHLINK,INC. ADMINISTRATOR | Claims processing Service code 12 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $14K |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EBSO, INC. | 125 | $164K |
| Dental | DELTA DENTAL OF MISSOURI | 200 | $88K |
| Vision | EBSO, INC. | 125 | $164K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $10K |
| Stop-loss / reinsurancereinsurance(2 contracts) | GERBER LIFE INSURANCE COMPANY | 121 | $164K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.