| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HM BENEFITS3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $68K | $68K | 2.58% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2 | $16K | $16K | 0.60% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 4.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 2.79% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.85% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 14.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 7.97% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 24.86% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 4.63% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | WYSSTA INSURANCE COMPANY INC | $757 | — | $757 | 2.89% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 28.16% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $815 | $815 | 4.44% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $471 | $471 | 2.56% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 23.66% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $729 | $729 | 4.38% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $437 | $437 | 2.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | WYSSTA INSURANCE COMPANY INC | $999 | — | $999 | 8.04% |
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 | 824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 492 | $3.4M |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 414 | $149K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 338 | $39K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 802 | $77K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 802 | $108K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 802 | $75K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 802 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.