| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GRP LLC | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | HEALTHLY ALLOIANCE LIFE INSURANCE COMPANY | $40K | $0 | $40K | 4.60% |
| BLUE CHIP CONSORTIUM LLC3 Filed as: THE BLUE CHIP CONSORTIUM LLC | 8460 WATSON RD STE 225 ST LOUIS, MO 63119 | HEALTHLY ALLOIANCE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.16% |
| BLUE CHIP CONSORTIUM LLC3 | 8460 WATSON RD STE 225 ST LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $15K | 8.56% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GRP | 721 EMERSON STE 500 ST LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.94% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHLY ALLOIANCE LIFE INSURANCE COMPANY | 270 | $879K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $177K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $177K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $177K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $177K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.