| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | GREENWICH INSURANCE COMPANY | $87K | — | $87K | 15.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON RD, STE 500 SAINT LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $13K | $4K | $16K | 3.87% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEIGH MCGHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $6K | $58K | 16.62% |
| CORNERSTONE BENEFITS LLC3 Filed as: THE CORNERSTONE GROUP | PO BOX 419151 SAINT LOUIS, MO 631419151 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $103 | $12K | 9.41% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | — | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA | $11K | — | $11K | 11.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS, INC EIN 63-1157085 PHARMACY BENEFIT ADVISOR | Claims processing Service code 12 | — | $1.6M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $344K |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $143K |
| CLJM LLC DBA HM BENEFITS EIN 35-2232153 BROKER | Other commissions Service code 55 | — | $5K |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,234 | $426K |
| Vision | DELTA DENTAL OF MISSOURI | 1,234 | $426K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,520 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $350K |
| Stop-loss / reinsurancereinsurance | GREENWICH INSURANCE COMPANY | 579 | $582K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,520 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,520 | — |
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.