| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM, LLC (DBA HUNTLEIGH, MCGEHEE) | 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | THE UNION LABOR LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX EIN 47-0527013 NONE | Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $841K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 THIRD-PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 502 EARTH CITY EXPRESSWAY, STE 203 EARTH CITY, MO 63045 | $305K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $176K |
| EVERSIDE, LLC EIN 45-3449075 NONE | Other services Service code 49 | 1400 WEWATTA ST, STE 350 DENVER, CO 80202 | $132K |
| HUNTLEIGH MCGEHEE/DIGITAL INSURANCE EIN 35-2232153 NONE | Consulting (general) Service code 16 | 8235 FORSYTH BLVD, STE 150 CLAYTON, MO 63105 | $58K |
| COLONY CAPITAL MANAGEMENT EIN 58-2533667 NONE | Investment management Service code 28 | 4401 NROTHSIDE PKWY NW STE 975 ATLANTA, GA 30327 | $53K |
| HAMMOND & SHINNERS, P.C. EIN 43-1429257 NONE | Legal Service code 29 | 13205 MANCHESTER RD, STE 210 ST. LOUIS, MO 63131 | $33K |
| FIDELITY INVESTMENTS NONE | Custodial (securities) Service code 19 | — | $7K |
| MILLIMAN, INC. EIN 91-0675941 NONE | Actuarial Service code 11 | 500 N. BROADWAY, STE 1750 ST. LOUIS, MO 63102 | $7K |
| MICHAEL CUMMINS, CPA, P.C. EIN 43-1555780 NONE | Accounting (including auditing) Service code 10 | 2 CITY PLACE DR, STE 200 ST. LOUIS, MO 63141 | $7K |
| BMI AUDIT SERVICES EIN 38-4091484 NONE | Accounting (including auditing) Service code 10 | 100 E WAYNE ST, STE 400 SOUTH BEND, IN 46601 | $6K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing Service code 12 | 1200 ROUTE WEST CLIFTON, NJ 07013 | $6K |
| ENTERPRISE BANK & TRUST EIN 43-1472619 NONE | Custodial (securities) Service code 19 | 150 N. MERAMEC AVE, STE 600 CLAYTON, MO 63105 | $6K |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 389 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,285 | $410K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 410 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.