| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY., SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $56K | $702 | $57K | 10.41% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E. BATTLEFILED ST., SUITE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $15K | $41K | 15.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY., SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 5.40% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 3.86% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 63105 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $6K | — | $6K | 7.65% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD., SUITE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD 1200 ST. LOUIS, MO 63105 | FEDERAL INSURANCE COMPANY | $7K | $111 | $7K | 15.25% |
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 | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,432 | $546K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 2,358 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 775 | $269K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 775 | $269K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 775 | $269K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 775 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,358 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.