| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $26K | $0 | $26K | 3.00% |
| BRADLEY SNITZER3 Filed as: BRADLEY D SNITZER | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| JAMES W. KELLEY3 Filed as: JAMES P. MOORE | 721 EMERSON SUITE 500 SAINT LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 Filed as: SCOTT SCHROEPFER | P.O. BOX 274 WASHINGTON, MO 63090 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 10.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON RD. SUITE 500 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 3.96% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD. SUITE 1 WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.88% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | HCC LIFE INSURANCE COMPANY | $22K | $0 | $22K | 12.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | HCC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | EYE MED | $3K | $0 | $3K | 9.93% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 SAINT LOUIS, MO 63141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 122 | $853K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $253K |
| Vision | EYE MED | 492 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 679 | $278K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 520 | $73K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 366 | $180K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 667 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.