| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | $60K | — | $60K | 14.62% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 3.75% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 4.75% |
| AMERICAN MEDICARE COUNSELORS | 1829 BELTWAY DRIVE ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 23.04% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.73% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $5K | — | $5K | 9.22% |
| MRCT BENEFITS PLUS | 230 S. BEMISTON AVE, STE 900 ST. LOUIS, MO 63105 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $811 | — | $811 | 1.51% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $394 | $2K | 3.75% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.78% |
| MAHER ROSENHEIM COMFORT & TABASH LL Filed as: MAHER, ROSENHEIM, COMFORT & TABASH | 230 S. BEMISTON AVE, STE 900 ST. LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.22% |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 545 | $408K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 545 | $408K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 793 | $54K |
| Life insurance(3 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 545 | $844K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $298K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 545 | $408K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 545 | $408K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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."
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.