| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC3 | 8235 FORSYTH BOULEVARD SUITE 1200 CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $43K | $0 | $43K | 4.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $105 | $105 | 0.01% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNLEIGHT MCGEHEE | 8235 FORSYTH BOULEVARD SUITE 1200 ST LOUIS, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 11.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN SAINT CHARLES, MO 63303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 4.67% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD SUITE 1200 CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.78% |
| CLJM LLC | 8235 FORSYTH BOULEVARD CLAYTON, MO 63105 | ANTHEM LIFE INSURANCE COMPANY | $260 | $0 | $260 | 4.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.02% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD SUITE 1200 CLAYTON, MO 63105 | ANTHEM LIFE INSURANCE COMPANY | $28 | $0 | $28 | 2.81% |
No Schedule C service providers reported on this filing.
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 159 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 979 | $233K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 979 | $233K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 979 | $241K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 979 | $233K |
| Prescription drug(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 159 | $1.2M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 979 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.