| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $29K | $29K | 2.60% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 1.24% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $3K | $297 | $3K | 6.03% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 2.99% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | $184 | $1K | 6.88% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $703 | — | $703 | 4.23% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $140 | $1K | 9.83% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGEHEE INC | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $775 | — | $775 | 6.30% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | ADVANTICA INSURANCE COMPANY | $333 | — | $333 | 4.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 WEST 47TH STREET #900 KANSAS CITY, MO 64112 | ADVANTICA INSURANCE COMPANY | $315 | — | $315 | 4.15% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $277 | $52 | $329 | 8.33% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGEHEE INC | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $157 | — | $157 | 3.98% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 149 | $57K |
| Vision | ADVANTICA INSURANCE COMPANY | 135 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $12K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.