| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 Filed as: CONERSTONE BROKERS | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | PRINCIPAL FINANCIAL GROUP | $12K | $2K | $15K | 14.10% |
| CU ADVANATGES3 | 8763 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | PRINCIPAL FINANCIAL GROUP | $4K | — | $4K | 3.37% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE INSURANCE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | VISION SERVICE PLUS | $1K | — | $1K | 4.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPECTRUM UNDERWRITING MANAGER EIN 35-1801164 OTEHR SERVICES | Other services Service code 49 | — | $228K |
| CUSTOM DESIGN BENEFITS EIN 81-0798821 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $56K |
| CORNERSTONE BROKERS31-1541030 EIN 31-1541030 BROKER | Other commissions Service code 55 | — | $49K |
| MEDICAL MUTUTAL EIN 34-0648820 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $17K |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLUS | 140 | $29K |
| Life insurance | PRINCIPAL FINANCIAL GROUP | 238 | $104K |
| Short-term disability | PRINCIPAL FINANCIAL GROUP | 238 | $104K |
| Long-term disability | PRINCIPAL FINANCIAL GROUP | 238 | $104K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 140 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
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.