| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 631051643 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $7K | $22K | 14.22% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 631051643 | FEDERAL INSURANCE COMPANY | $6K | $277 | $6K | 15.75% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 631051643 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $260 | $3K | 16.24% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 631051643 | HUMANADENTAL INSURANCE COMPANY | $2K | — | $2K | 11.08% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | AFLAC | $780 | — | $780 | 9.81% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 631051643 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $226 | — | $226 | 4.82% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $155K |
| Vision(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 437 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $21K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 309 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.