| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP, LLC | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $26K | $11K | $37K | 9.07% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.22% |
| JOHN WILSON3 Filed as: JOHN (CODY) WILSON | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.34% |
| ANGELA HUGHES3 Filed as: ANGELA M. HUGHES | 721 EMERSON ROAD, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $880 | — | $880 | 1.23% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP | 721 EMERSON SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $809 | — | $809 | 1.13% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER, INC. | 1795 CLARKSON ROAD, SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $776 | — | $776 | 1.09% |
| MJ INSURANCE3 Filed as: LAURIE S. WEBER AND VARIOUS AGENTS | 2200 ANNISTON DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | — | $717 | 1.00% |
| JACQUELINE G KINDERMAN3 Filed as: JACQUELINE G. KINDERMAN | 1260 TREASURE LAKE DUBOIS, PA 15801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $626 | — | $626 | 0.88% |
| BRADLEY K HARRISON3 Filed as: BRADLEY K. HARRISON | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $454 | — | $454 | 0.64% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP, LLC | 721 EMERSON ROAD, SUITE 500 SAINT LOUIS, MO 63141 | EYEMED | $2K | — | $2K | 8.31% |
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 | 327 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 332 | $407K |
| Vision | EYEMED | 374 | $23K |
| Life insurance | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 332 | $407K |
| Short-term disability | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 332 | $407K |
| Long-term disability | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 332 | $407K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 332 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.