| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY SE. SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $51K | — | $51K | 10.09% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY SE. SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $9K | — | $9K | 1.83% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE Filed as: CLJM, LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $13K | 3.43% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE Filed as: CLJM, LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $15K | 4.75% |
| AMERICAN MEDICARE COUNSELORS | 1829 BELTWAY DR ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 19.42% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE Filed as: CLJM, LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $415 | $2K | 3.75% |
| 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 INSURANCE C | $4K | — | $4K | 8.29% |
| ENROLLEASE Filed as: ONE DIGITAL | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $1K | — | $1K | 2.52% |
| REUBEN WARNER ASSOCIATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE Filed as: CLJM, LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 542 | $501K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 542 | $501K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 784 | $50K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $446K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $307K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 542 | $501K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.