| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | EBSO, INC. | — | $24K | $24K | 20.91% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF MISSOURI | $6K | $517 | $7K | 10.98% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 13.09% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 13.46% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | EYEMED VISION CARE | $958 | — | $958 | 10.01% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 13.48% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | — | $823 | 10.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $637 | — | $637 | 14.99% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $571 | $571 | 13.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBSO, INC. EIN 39-1277023 ADMINISTRATOR | Contract Administrator; Claims processing; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 12 | — | $45K |
| HEALTHLINK, INC. ADMINISTRATOR | Claims processing Service code 12 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $9K |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EBSO, INC. | 117 | $116K |
| Dental | DELTA DENTAL OF MISSOURI | 154 | $61K |
| Vision(2 contracts, 2 carriers) | EBSO, INC. | 125 | $125K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $11K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 81 | $116K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.