| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 1.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.62% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 8.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.23% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $9K | 14.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.47% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 12.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.15% |
| CLJM LLC3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65805 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $981 | $0 | $981 | 5.69% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKLAND RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $538 | $538 | 3.12% |
| CLJM LLC3 | 2925 E BATTLEFIELD ST SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $760 | $0 | $760 | 5.85% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $341 | $341 | 2.63% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 2925 E BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $838 | $601 | $1K | 14.63% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $638 | $0 | $638 | 6.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 ADMIN | Claims processing Service code 12 | — | $405K |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $85K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $52K |
| CLJM LLC EIN 35-2232153 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $18K |
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 | 430 | 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) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $121K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $60K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 303 | $288K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.