| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GRP | PO BOX 419151 ST. LOUIS, MO 63141 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.63% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GRP | PO BOX 419151 ST. LOUIS, MO 63141 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | $522 | $1K | 16.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $274K |
| SEIU LOCAL 1 MO BENEFIT SERVICES TR EIN 43-0514606 COMMON TRUSTEE | Other services; Contract Administrator Service code 13 | — | $148K |
| MICHAEL WINKLER EIN 43-0514606 NONE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $60K |
| DAVID KUJAWA EIN 43-0514606 NONE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $53K |
| RSM EIN 42-0714325 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $45K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| ROSEMARY CLARK EIN 43-0514606 NONE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $24K |
| STIFEL, NICOLAUS & COMPANY, INC. EIN 43-0538770 NONE | Custodial (securities); Investment advisory (plan); Investment management fees paid directly by plan; Securities brokerage Service code 19 | — | $23K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
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 | 643 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $8K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 669 | $37K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 669 | $37K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 529 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.