| 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 CLAYTON, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 12.00% |
| CLJM LLC3 Filed as: CLJM, LLC. | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $4K | $52K | 16.23% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF MISSOURI | $9K | $1K | $10K | 3.68% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | — | $148 | $148 | 0.05% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.72% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD, SUITE 1200 SAINT LOUIS, MO 63105 | ADVANTICA INSURANCE COMPANY | $3K | $159 | $3K | 10.15% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL INC | 721 EMERSON RD, STE 500 ST. LOUIS, MO 63141 | ADVANTICA INSURANCE COMPANY | — | $17 | $17 | 0.06% |
| 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 | — | $198K |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 723 | $271K |
| Vision | ADVANTICA INSURANCE COMPANY | 573 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,249 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $322K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 359 | $383K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,249 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,249 | — |
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."
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.