| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP | 721 EMERSON SUITE 500 ST LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $8K | $23K | 10.36% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP | 13523 BARRETT PARKWAY DR S #140 BALLWIN, MO 63021 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHLINK EIN 43-1364135 PROVIDER NETWORK ADMIN | Contract Administrator Service code 13 | — | $270K |
| LDI INTEGRATED PHARMACY SERVICES EIN 43-0912223 PHARMACY BENEFIT ADMIN | Contract Administrator Service code 13 | — | $154K |
| MACQUIRE INVESTMENT MANAGER | Soft dollars commissions; Investment management Service code 28 | — | $73K |
| DEBBIE WATSON EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| DIANE DOERING EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| ANGELA CHAPMAN EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| CYNTHIA PANNIER EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| SUSAN SICKLER EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| ANNETTE HUSEMANN EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| SHERIDA PEDROLI EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| LINDA SEDLACEK EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| BOYD WATTERSON EIN 34-1922005 INVESTMENT MANAGER | Investment management Service code 28 | — | $55K |
| SHARON KNORR EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $53K |
| SHERYL MAZUREK EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| KELLY ENNIS EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| TAMMIE BELL EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| SARA YOUNG EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| PATRICIA ECKERT EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| JESSICA ARMISTEAD EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| JULIE YARCK EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| RYAN LABS ASSET MANAGEMENT EIN 47-3503928 INVESTMENT MANAGER | Investment management Service code 28 | — | $47K |
| KATHERINE POVIS EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| MARIA ARRAS EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| DAVID DEJARNETT EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $37K |
| INVESCO ADVISORS INC EIN 58-1707262 INVESTMENT MANAGER | Investment management Service code 28 | — | $36K |
| SUMNER GROUP,INC DBA COPYING CONCEP EIN 43-1332770 COPY/PRINT PROVIDER | Copying and duplicating Service code 36 | — | $31K |
| RHUMBLINE ADVISERS EIN 04-3118582 INVESTMENT MANAGER | Investment management; Non-monetary compensation Service code 28 | — | $30K |
| MERCY MANAGED BEHAVIORAL HEALTH EIN 43-1693146 BEHAVIORAL HEALTH ADMIN | Contract Administrator Service code 13 | — | $27K |
| HAMMOND & SHINNERS P.C. EIN 43-1429257 FUND ATTORNEY | Legal Service code 29 | — | $24K |
| MISSOURI BUSINESS FORMS EIN 43-0829277 COPY/PRINT PROVIDER | Copying and duplicating Service code 36 | — | $18K |
| SHARON EPSTEIN EIN 43-0648504 EMPLOYEE | Employee (plan) Service code 30 | — | $18K |
| INVESTMENT CONSULTING SERVICES LLC EIN 32-0016703 INVESTMENT CONSULTANT | Investment advisory (plan) Service code 27 | — | $15K |
| US BANK EIN 31-0841368 FINANCIAL TRUSTEE/CUSTODY | Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses Service code 21 | — | $15K |
| CUNI, RUST & STRENK EIN 31-1227755 ACTUARY | Actuarial Service code 11 | 4555 LAKE FOREST DRIVE SUITE 620 CINCINNATI, OH 45242 | $12K |
| JAMES MULLIGAN PRINTING COMPANY EIN 43-0765523 PRINTING | Copying and duplicating Service code 36 | 1808 WASHINGTON AVE ST LOUIS, MO 63103 | $10K |
| SEGAL COMPANY EIN 13-1975125 FUND ACTUARY/CONSULTANT | Consulting (pension); Actuarial Service code 11 | — | $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 | 3,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,630 | $754K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,027 | $218K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,273 | $649K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,027 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,273 | — |
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.