| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 13523 BARRETT PARKWAY DR S #140 BALLWIN, MO 63021 | GUARDIAN INSURANCE CO | $12K | $7K | $19K | 15.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 NONE | Contract Administrator Service code 13 | — | $507K |
| BENESYS, INC EIN 38-2383171 NONE | Plan Administrator Service code 14 | — | $156K |
| SPECTOR, WOLFE & MCLAUGHLIN, PC EIN 43-1718339 NONE | Legal Service code 29 | — | $41K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| CARDINAL INVESTMENT ADVISORS EIN 36-4464580 NONE | Investment advisory (plan) Service code 27 | — | $25K |
| ROBERT KINTZ EIN 43-6033487 TRUSTEE | Trustee (individual) Service code 20 | — | $9K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | — | $9K |
| FRED KERN EIN 43-6033487 TRUSTEE | Trustee (individual) Service code 20 | — | $8K |
| CREATIVE LITHO NONE | Copying and duplicating Service code 36 | — | $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 | 792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN INSURANCE CO | 810 | $122K |
| Life insurance | GUARDIAN INSURANCE CO | 810 | $122K |
| Other | GUARDIAN INSURANCE CO | 810 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.