| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $35K | — | $35K | 0.98% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | PO BOX 419151 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.07% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | PO BOX 419151 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.05% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | PO BOX 419151 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.51% |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 416 | $3.6M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 395 | $227K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 416 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 416 | $109K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 589 | $68K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 416 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
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.