| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMSDEN AND ASSOCIATES, INC.3 Filed as: LUMSDEN AND ASSOCIATES INC | PO BOX 84 SPRINGFIELD, IL 627050084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 12.01% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | RELIASTAR LIFE INSURANCE COMPANY | $72K | — | $72K | 15.00% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 2.68% |
| CORNERSTONE BENEFITS LLC3 Filed as: THE CORNERSTONE INSURANCE | 721 EMERSON RD, STE 500 ST. LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $11K | $150 | $11K | 2.49% |
| CORNERSTONE BENEFITS LLC3 Filed as: THE CORNERSTONE GROUP LLC | PO BOX 419151 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $25 | $12K | 10.07% |
| CORPORATE BENEFIT CONSULTANTS3 | 721 EMERSON RD STE 500 P O BOX 419151 ST. LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $3.1M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $272K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | — | $8K |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,368 | $450K |
| Vision | DELTA DENTAL OF MISSOURI | 1,368 | $450K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,028 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 937 | $511K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 609 | $480K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,028 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,028 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.