| 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 | $4K | $13K | 21.92% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $92 | — | $92 | 1.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LISA GOULD EIN 43-1598128 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $118K |
| HAMMOND AND SHINNERS, PC EIN 43-1429257 NONE | Legal Service code 29 | — | $89K |
| 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 | — | $75K |
| 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 | $74K |
| MARIA HERRERRA EIN 43-1598128 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Consulting (general); Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $41K |
| KENYA HITCHENS EIN 43-1598128 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| TFBC, LLC EIN 27-3782504 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $28K |
| 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 | — | $15K |
| STIVERS STAFFING SERVICES EIN 36-2893218 NONE | Other services; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
| J W TERRILL EIN 43-1834988 NONE | Accounting (including auditing) Service code 10 | — | $9K |
| TRAVIS SOFTWARE GROUP EIN 76-0191515 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| SEGAL SELECT INSURANCE SERVICES, IN | Insurance brokerage commissions and fees Service code 53 | — | $4K |
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 | 696 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 696 | $175K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $58K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $64K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $58K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 4 | $5K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 696 | $175K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 603 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.