| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITED HEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 3.84% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SRA INSURNANCE AGENCY LLC | 4435 MAIN STREET KANSAS CITY, MO 64111 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $10K | $10K | 0.76% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD. STE. 1200 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.46% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | 4435 MAIN STREET KANSAS CITY, MO 64111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.47% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 SAINT LOUIS, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEIGHT MCGEHEE | 8235 FORSYTH STE 1200 SAINT LOUIS, MO 63105 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 5.95% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN ST KANSAS CITY, MO 64111 | HUMANA INSURANCE COMPANY | $452 | $0 | $452 | 2.00% |
| CLJM LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $156 | $0 | $156 | 14.99% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 297 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $116K |
| Vision | HUMANA INSURANCE COMPANY | 159 | $23K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $85K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $85K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.