| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 631051643 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 8.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 7.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $11K | $31K | 6.80% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $12K | $30K | 6.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 7.42% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $316K |
| CLJM LLC DBA HUNTLEIGH MCGEHEE EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 631051643 | $7K |
| DIGITAL INSURANCE LLC EIN 58-2522668 BROKER | Other commissions Service code 55 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | $5K |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $508K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $508K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $508K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $462K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 546 | $508K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.