| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CONERSTONE LLC | 12645 OLIVE BLVD STE 300 ST. LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 3.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CONERSTONE LLC | 721 EMERSON RD STE 500 ST. LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.89% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: THE CONERSTONE INSURANCE GROUP | 721 EMERSON RD STE 500 PO BOX 419151 ST. LOUIS, MO 63141 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $903 | $6K | 12.44% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.00% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: THE CONERSTONE INSURANCE GROUP | 721 EMERSON RD STE 500 PO BOX 419151 ST. LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $165 | $1K | 17.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $412 | $330 | $742 | 9.02% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $209 | $0 | $209 | 12.97% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $891K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 106 | $45K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 106 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $8K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.