| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GROUP LLC | PO BOX 419151 SAINT LOUIS, MO 631419151 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $1K | $19K | 4.29% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 631051643 | RELIASTAR LIFE INSURANCE COMPANY | $61K | — | $61K | 15.00% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST, SUITE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 2.70% |
| LUMSDEN AND ASSOCIATES, INC.3 Filed as: LUMSDEN & ASSOC INC | PO BOX 84 SPRINGFIELD, IL 627050084 | HARTFORD LIFE AND ACCIDENT | $34K | — | $34K | 8.79% |
| LUMSDEN AND ASSOCIATES, INC.3 Filed as: LUMSDEN & ASSOCIATES | PO BOX 84 SPRINGFIELD, IL 627050084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 20.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $1.0M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $226K |
| CLJM DBA HUNTLEIGH MCGEHEE EIN 35-2232153 BROKER | Other commissions Service code 55 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | $7K |
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 | 574 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,202 | $432K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,202 | $432K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 929 | $503K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 566 | $404K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,202 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,202 | — |
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.