| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 12.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $5K | $42K | 17.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $9K | $2K | $11K | 4.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $880 | $7K | 12.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $491 | $3K | 5.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | — | $434 | $434 | 0.74% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 9.15% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | HCC LIFE INSURANCE COMPANY | $430 | — | $430 | 0.85% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | ADVANTICA INSURANCE COMPANY | $3K | $209 | $3K | 10.77% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $320 | $3K | 16.50% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $147 | $147 | 0.72% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE. 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $263 | $3K | 16.57% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $125 | $125 | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX PRESCRIPTIONS SERVICES EIN 86-1323040 PHARMACY BENEFIT ADVISOR | Claims processing Service code 12 | — | $577K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $129K |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $37K |
| Dental | DELTA DENTAL OF MISSOURI | 590 | $222K |
| Vision | ADVANTICA INSURANCE COMPANY | 464 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $246K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $328K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 961 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.