| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO5 | PO BOX 5750 SPRINGFIELD, MO 658015750 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $438K | $438K | 7.50% |
| CLJM LLC3 Filed as: CLJM, LLC | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | COX HEALTH SYSTEMS INSURANCE COMPANY | $58K | $5K | $63K | 1.09% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST., SUITE 120 SPRINGFIELD, MO 658044020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.33% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E. BATTLEFIELD ST., SUITE 120 SPRINGFIELD, MO 658044020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.53% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST, SUITE 120 SPRINGFIELD, MO 658044020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.43% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST., SUITE 120 SPRINGFIELD, MO 658044020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 12.36% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEIGH MCHEHEE | 2925 E BATTLEFIELD ST., SUITE 120 SPRINGFIELD, MO 658044020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $659 | $5K | 17.51% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E. BATTLEFIELD ST., SUITE 120 SPRINGFIELD, MO 658044020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $573 | $4K | 17.21% |
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 | 792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 1,121 | $5.8M |
| Vision | ADVANTICA INSURANCE COMPANY, INC | 955 | $64K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 876 | $90K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 698 | $74K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 876 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,121 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.