| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC Filed as: CORNERSTONE INSURANCE GROUP | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 21.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LISA GOULD EIN 43-1598128 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $157K |
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 NONE | Claims processing; Other fees Service code 12 | — | $126K |
| ANITA VODANOVAC EIN 43-1598128 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $94K |
| AMALGAMATED BANK OF CHICAGO EIN 36-6228122 NONE | Investment management fees paid directly by plan; Custodial (securities); Investment management; Accounting (including auditing) Service code 10 | — | $77K |
| GERSHMAN COMMERCIAL REAL ESTATE EIN 43-0763769 NONE | Other services; Direct payment from the plan Service code 49 | 150 N MERAMEC AVE STE 500 ST. LOUIS, MO 63105 | $72K |
| HAMMOND AND SHINNERS, PC EIN 43-1429257 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| CHAMARA HUDSON EIN 43-1598128 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| MARIA HERRERRA EIN 43-1598128 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| TFBC, LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $37K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing); Direct payment from the plan; Consulting (general) Service code 10 | — | $33K |
| NETTECH EIN 43-1712583 NONE | Direct payment from the plan; Other services Service code 49 | — | $18K |
| SYSTEM DESIGN ASSOCIATES EIN 43-1228887 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| TRAVIS SOFTWARE GROUP EIN 76-0191515 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| SEGAL SELECT INSURANCE SERVICES, IN | Insurance brokerage commissions and fees Service code 53 | — | $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 | 748 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY/MERITAN HEALTH | 748 | $246K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $59K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $59K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $65K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $59K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 4 | $6K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY/MERITAN HEALTH | 748 | $246K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
No prospect flags tripped on this filing.