| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.93% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF MISSOURI | $14K | $3K | $18K | 12.88% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $9K | $26K | 32.12% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $8K | $13K | 16.48% |
| DANIEL M MCALONE3 Filed as: DANIEL MCALONE | 445 NORTH TAYLOR AVENUE KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $210 | $0 | $210 | 0.26% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | ADVANTICA INSURANCE COMPANY | $2K | $0 | $2K | 5.69% |
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 | 1,230 | 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) | 1,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 108 | $890K |
| Dental | DELTA DENTAL OF MISSOURI | 683 | $137K |
| Vision | ADVANTICA INSURANCE COMPANY | 614 | $43K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $80K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $80K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 108 | $890K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,230 | — |
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.