| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD,STE 1200 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 11.50% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 8.87% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF MISSOURI | $5K | $160 | $6K | 11.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LOUIS | 15939 COLLECTION CTR DR CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | — | $266 | $266 | 0.54% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $10K | 31.72% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BOULEVARD SAINT LOUIS, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | ADVANTICA INSURANCE COMPANY | $723 | — | $723 | 11.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | PO BOX 843844 KANSAS CITY, MO 64184 | ADVANTICA INSURANCE COMPANY | — | $27 | $27 | 0.44% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $386 | — | $386 | 10.90% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $411K |
| Dental | DELTA DENTAL OF MISSOURI | 149 | $50K |
| Vision | ADVANTICA INSURANCE COMPANY | 136 | $6K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $20K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $8K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $36K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.