| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $868 | $41K | 49.76% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE Filed as: CLJM LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 ATTN KEVING CUNNEEN JR CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 28.90% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $10K | 11.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DRIVE SUITE 20 ST LOUIS, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $360 | $5K | 6.37% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $630 | $35K | 50.66% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 ATTN KEVIN CUNNEEN JR CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $912 | $20K | 28.27% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 11.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 825 MARYVILLE CENTRE DRIVE SUITE 20 ST LOUIS, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $306 | $5K | 6.66% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $69K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.