| 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 | $19K | $6K | $25K | 12.18% |
| CU ADVANATGES3 | 8763 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | PRINCIPAL FINANCIAL GROUP | $435 | — | $435 | 0.21% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE INSURANCE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | VISION SERVICE PLUS | $2K | — | $2K | 4.16% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLUS | 192 | $39K |
| Life insurance | PRINCIPAL FINANCIAL GROUP | 541 | $206K |
| Short-term disability | PRINCIPAL FINANCIAL GROUP | 541 | $206K |
| Long-term disability | PRINCIPAL FINANCIAL GROUP | 541 | $206K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY | 182 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
No prospect flags tripped on this filing.