| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON SUTIE 500 ST. LOUIS, MO 63141 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 2.50% |
| INSGROUP INC3 Filed as: CORNERSTONE INSURANCE GROUP LL | 721 EMERSON SUTIE 500 ST. LOUIS, MO 63141 | GUARDIAN | $18K | $6K | $25K | 14.74% |
| INSGROUP INC3 Filed as: CORNERSTONE INSURANCE GROUP LL | 721 EMERSON SUTIE 500 ST. LOUIS, MO 63141 | EYE MED | $3K | — | $3K | 7.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $340K |
| SHANA PAGANO EIN 37-6039515 EMPLOYEE | Employee (plan sponsor) Service code 35 | 2000A MALL STREET, STE A COLLINSVILLE, IL 62234 | $68K |
| RSM US LLP EIN 43-0714325 NONE | Consulting fees; Accounting (including auditing) Service code 10 | 8182 MARYLAND AVE, STE900 ST. LOUIS, MO 63105 | $58K |
| LAUREN ROSENKRANZ EIN 37-6039515 EMPLOYEE | Employee (plan sponsor) Service code 35 | 2000A MALL STREET, STE A COLLINSVILLE, IL 62234 | $53K |
| SARA CHAPPELL EIN 37-6039515 EMPLOYEE | Employee (plan sponsor) Service code 35 | 2000A MALL STREET, STE A COLLINSVILLE, IL 62234 | $52K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 NONE | Other services Service code 49 | 3760 S. LINDBERGH, STE 102 ST. LOUIS, MO 63127 | $31K |
| MERCY MANAGED BEHAVIORAL HEALTH EIN 43-1664148 NONE | Other services Service code 49 | P.O. BOX 503794 ST. LOUIS, MO 63150 | $27K |
| SCHUCHAT, COOK, & WERNER EIN 43-0763010 NONE | Legal Service code 29 | 1221 LOCUST ST., STE 250 ST. LOUIS, MO 63103 | $24K |
| ZENITH AMERICAN SOLUTIONS NONE | Other services Service code 49 | — | $16K |
| MONETARY MANAGEMENT GROUP INC EIN 43-1581414 NONE | Investment advisory (plan) Service code 27 | 13537 BARRETT PARKWAY DRIVE, SUITE BALLWIN, MO 63021 | $14K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | 501 N. BROADWAY, STE 550 ST. LOUIS, MO 63102 | $9K |
| INVESCO ADVISORS, INC. EIN 58-1707262 NONE | Investment management Service code 28 | 1555 PEACHTREE ST., N.E. ATLANTA, GA 30309 | $0 |
| INVESCO TRUST COMPANY EIN 46-3793325 | Investment management Service code 28 | 1555 PEACHTREE ST., N.E. ATLANTA, GA 30309 | $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 | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 237 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 525 | $103K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,115 | $559K |
| Vision(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,106 | $167K |
| Life insurance | GUARDIAN | 831 | $169K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 831 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,115 | — |
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.