| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE, LLC | 222 S. CENTRAL #700 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $49K | $0 | $49K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD DR STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $24K | $0 | $24K | 5.00% |
| PROCENTRO HCM, LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE, LLC | 222 S. CENTRAL AVE STE 700 SAINT LOUIS, MO 63105 | HARTFORD LIFE & ACCIDENT | $61K | $0 | $61K | 19.18% |
| HARTFORD HOME OFFICE DIRECT3 Filed as: HARTFORD - HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE & ACCIDENT | $0 | $0 | $0 | 0.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE, LLC | 222 S. CENTRAL #700 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| PROCENTRO HCM, LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $0 | $804 | $804 | 1.00% |
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 | 2,173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 660 | $489K |
| Vision | STANDARD INSURANCE COMPANY | 660 | $80K |
| Life insurance(3 contracts) | HARTFORD LIFE & ACCIDENT | 2,173 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,173 | — |
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.