| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HM BENEFITS3 Filed as: CLJM, LLC DBA HM BENEFITS | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 0.63% |
| CLJM LLC DBA HM BENEFITS3 Filed as: CLJM, LLC DBA HM BENEFITS | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | HERITAGE VISION PLANS INC | $2K | — | $2K | 9.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $20K |
| PAYLOCITY CORPORATION THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | 10805 SUNSET OFFICE DRIVE STE 401 ST LOUIS, MO 63127 | $15K |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 972 | $4.4M |
| Vision | HERITAGE VISION PLANS INC | 375 | $25K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 691 | $125K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 340 | $41K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 691 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.