| 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 | $47K | $0 | $47K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 1.69% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL #700 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL #700 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $40K | $0 | $40K | 12.45% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 5.30% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL #700 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.69% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGEHEE LLC | 222 S CENTRAL #700 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $0 | $742 | $742 | 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 | 2,242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 638 | $467K |
| Vision | STANDARD INSURANCE COMPANY | 638 | $74K |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 2,242 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,242 | — |
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.