| 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 | $45K | $2K | $48K | 11.87% |
| 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 | $271 | $5K | 10.12% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $228 | $3K | 8.86% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BOULEVARD SAINT LOUIS, MO 63105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.31% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 20.18% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 20.86% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | ADVANTICA INSURANCE COMPANY | $671 | — | $671 | 10.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $461 | — | $461 | 15.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $267 | — | $267 | 10.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95 | — | $95 | 9.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Participant communication; Named fiduciary; Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | — | $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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $404K |
| Dental | DELTA DENTAL OF MISSOURI | 155 | $54K |
| Vision | ADVANTICA INSURANCE COMPANY | 133 | $6K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 159 | $22K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $35K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 101 | $13K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 128 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.