| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | P.O.BOX 419151 SAINT LOUIS, MO 63141 | VISION SERVICE PLAN | $3K | — | $3K | 1.48% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON RT STE 500 SAINT LOUIS, MO 63021 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 22.75% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | P.O.BOX 419151 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 12.42% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON RT STE 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| DEWITT INSURANCE AGENCY INC3 Filed as: DEWITT INSURANCE AGENCY | 13523 BARRETT PKWY DR SAINT LOUIS, MO 63021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC.. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $730K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $88K |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 NONE | Contract Administrator Service code 13 | — | $86K |
| C.S. MCKEE EIN 25-1900687 NONE | Investment management fees paid directly by plan Service code 51 | — | $81K |
| HAMMOND & SHINNERS PC EIN 43-1164305 NONE | Legal Service code 29 | — | $29K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment management fees paid directly by plan Service code 51 | — | $15K |
| RHUMBLINE ADVISORS EIN 04-3118582 NONE | Investment advisory (plan) Service code 27 | — | $11K |
| US BANK NONE | Custodial (securities) Service code 19 | 60 LIVINGSTON AVE ST. PAUL, MN 55107 | $10K |
| MILLIMAN EIN 91-0675641 NONE | Actuarial Service code 11 | — | $9K |
| CLIFTON LARSON ALLEN LLP EIN 37-0802863 NONE | Accounting (including auditing) Service code 10 | — | $0 |
| WOLFE NILGES NAHORSKI, PC EIN 43-1236296 NONE | Consulting (general); Accounting (including auditing) Service code 10 | — | $0 |
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 | 1,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,089 | $85K |
| Vision | VISION SERVICE PLAN | 1,083 | $181K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,232 | $80K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,089 | $85K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,738 | $507K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,232 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,738 | — |
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.