| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $14K | $29K | 4.58% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 13523 BARRETT PARKWAY DR, #140 BALLWIN, MO 63021 | GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 2.42% |
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR, #140 ST. LOUIS, MO 63021 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | 5901 LINCOLN DRIVE EDINA, MN 55436 | $943K |
| ZENITH AMERICAN ADMINISTRATORS EIN 52-1590516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 502 EARTH CITY EXPRESSWAY EARTH CITY, MO 63045 | $117K |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 NONE | Insurance services Service code 23 | PO BOX 8012 APPLETON, WI 54913 | $67K |
| RSM US LLP EIN 42-0714325 NONE | Other commissions; Consulting (general); Accounting (including auditing) Service code 10 | 81820 MARYLAND AVE, STE 900 ST LOUIS, MO 63105 | $53K |
| SPECTOR, WOLFE AND MCLAUGHLIN EIN 43-1718339 NONE | Legal Service code 29 | 117 WEST WOODBINE AVE KIRKWOOD, MO 63122 | $31K |
| WESTERHEIDE & COMPANY EIN 43-1176609 NONE | Accounting (including auditing) Service code 10 | 11430 GRAVOIS RD ST. LOUIS, MO 63126 | $26K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | 1301 FIFTH AVE., SUITE 3800 SEATTLE, WA 98101 | $7K |
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 | 1,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Vision | VISION BENEFITS OF AMERICA | 1,509 | $23K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,633 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,633 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.