| 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 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $20K | — | $20K | 10.78% |
| DOUGLAS GRANT3 | CORNERSTONE INSURANCE GROUP LLC 721 EMERSON STE 500 ST LOUIS, MO 63141 | ANTHEM BLUE CROSS BLUE SHIELD | $11K | — | $11K | 29.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 INSURANCE CARRIER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $276K |
| CORNERSTONE INSURANCE GROUP LLC INSURANCE AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 721 EMERSON RD STE 500 ST. LOUIS, MO 63141 | $56K |
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 | 492 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 319 | $311K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 173 | $188K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 319 | $311K |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 297 | $37K |
| Long-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 297 | $37K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 319 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.