| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $65K | $125K | 20.82% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41K | $41K | 6.83% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE Filed as: SMITH MCGEHHE LLC DBA SMITH MCGEHEE | 47 PICARDY LN ST LOUIS, MO 63124 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 8.91% |
| ACRISURE LLC Filed as: ACRISURE WALLSTREET PARTNERS LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 3.21% |
| PRP SERVICES LLC | 310 CALLIOPE PLACE CHESTERFIELD, MO 63017 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4 | — | $4 | 0.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE Filed as: SMITH MCGEHHE LLC DBA SMITH MCGEHEE | 47 PICARDY LN ST LOUIS, MO 63124 | HM LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
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 | 2,106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 736 | $601K |
| Vision | HM LIFE INSURANCE COMPANY | 1,220 | $79K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 2,106 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,106 | — |
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.
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.