| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL ATZ3 Filed as: MICHAEL SHANAHAN JR | DIGITAL INSURANCE LLC 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | QBE INSURANCE | $25K | — | $25K | 7.76% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEIGH MCGHEE | 8235 FORSYTH BOULEVARD SUITE #12 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 12.74% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BOULEVARD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.99% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.10% |
| DIGITAL INSURANCE LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.50% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM E PERRY | — | ASSURITY LIFE INSURANCE COMPANY | $413 | — | $413 | 1.90% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BOULEVARD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.01% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BOULEVARD SUITE 1200 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.08% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC DBA HUNTLEGH MCG | 8235 FORSYTH BOULEVARD SUITE 1200 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $488 | — | $488 | 14.99% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $72K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $21K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,154 | $316K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,154 | — |
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.