| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | ANTHEM LIFE INSURANCE COMPANY | $55K | $4K | $59K | 2.70% |
| BLUE CHIP CONSORTIUM LLC3 | 8460 WATSON RD.,STE. 225 ST LOUIS, MO 63119 | ANTHEM LIFE INSURANCE COMPANY | $15 | $3K | $3K | 0.12% |
| DOUGLAS GRANT3 | CORNERSTONE INSURANCE GROUP LLC 721 EMERSON STE 500 ST LOUIS, MO 63141 | ANTHEM BLUE CROSS BLUE SHIELD | $12K | — | $12K | 16.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | — | $71K |
| EXPRESS SCRIPTS, INC. EIN 16-1279199 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $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 | 531 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM LIFE INSURANCE COMPANY | 531 | $2.2M |
| Vision | ANTHEM LIFE INSURANCE COMPANY | 531 | $2.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 531 | $2.2M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 531 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.