| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $91K | $91K | 3.50% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | PO BOX 419151 ST. LOUIS, MO 63141 | AETNA LIFE INSURANCE COMPANY | $6K | $7K | $13K | 7.73% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 16.76% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.13% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.79% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $185 | $185 | — |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 522 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 537 | $166K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 386 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $101K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $35K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.