| 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. | $6K | — | $6K | 1.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON SUTIE 500 ST. LOUIS, MO 63141 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON SUTIE 500 ST. LOUIS, MO 63141 | GUARDIAN | $19K | $8K | $27K | 15.61% |
| INSGROUP INC3 Filed as: CORNERSTONE INSURANCE GROUP LL | 721 EMERSON SUTIE 500 ST. LOUIS, MO 63141 | EYE MED | $7K | — | $7K | 10.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $331K |
| SHANA PAGANO EIN 37-6039515 EMPLOYEE | Employee (plan sponsor) Service code 35 | 2000A MALL STREET, STE A COLLINSVILLE, IL 62234 | $77K |
| SARA CHAPPELL EIN 37-6039515 EMPLOYEE | Employee (plan sponsor) Service code 35 | 2000A MALL STREET, STE A COLLINSVILLE, IL 62234 | $54K |
| LAUREN ROSENKRANZ EIN 37-6039515 EMPLOYEE | Employee (plan sponsor) Service code 35 | 2000A MALL STREET, STE A COLLINSVILLE, IL 62234 | $54K |
| RSM US LLP EIN 43-0714325 NONE | Consulting fees; Accounting (including auditing) Service code 10 | 8182 MARYLAND AVE, STE 900 ST. LOUIS, MO 63105 | $49K |
| SCHUCHAT, COOK, & WERNER EIN 43-0763010 NONE | Legal Service code 29 | 1221 LOCUST ST., STE 250 ST. LOUIS, MO 63103 | $45K |
| BURR OAK CONSULTING NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD. ST. LOUIS, MO 63131 | $30K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 NONE | Other services Service code 49 | 3760 S. LINDBERGH, STE 102 ST. LOUIS, MO 63127 | $27K |
| MERCY MANAGED BEHAVIORAL HEALTH EIN 43-1664148 NONE | Other services Service code 49 | P.O. BOX 503794 ST. LOUIS, MO 63150 | $26K |
| MONETARY MANAGEMENT GROUP INC EIN 43-1581414 NONE | Investment advisory (plan) Service code 27 | 13537 BARRETT PARKWAY DRIVE, SUITE BALLWIN, MO 63021 | $18K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Other services Service code 49 | — | $11K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | 501 N. BROADWAY, STE 550 ST. LOUIS, MO 63102 | $7K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment management fees paid directly by plan Service code 51 | 1500 AMERICAN BOULEVARD PENNINGTON, NJ 08534 | $5K |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 246 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 514 | $101K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,078 | $451K |
| Vision(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,163 | $166K |
| Life insurance | GUARDIAN | 796 | $174K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 796 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,163 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.