| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON, SUITE 500 ST. LOUIS, MO 63141 | GUARDIAN INSURANCE CO | $12K | $6K | $18K | 14.83% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON, SUITE 500 ST. LOUIS, MO 63141 | EYE MED | $7K | — | $7K | 12.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 NONE | Contract Administrator Service code 13 | — | $275K |
| BENESYS, INC EIN 38-2383171 NONE | Plan Administrator Service code 14 | — | $161K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $137K |
| SPECTOR, WOLFE & MCLAUGHLIN, PC EIN 43-1718339 NONE | Legal Service code 29 | — | $44K |
| CARDINAL INVESTMENT ADVISORS EIN 36-4464580 NONE | Investment advisory (plan) Service code 27 | — | $25K |
| CREATIVE LITHO NONE | Copying and duplicating Service code 36 | — | $10K |
| FRED KERN EIN 43-6033487 TRUSTEE | Trustee (individual) Service code 20 | — | $9K |
| ROBERT KINTZ EIN 43-6033487 TRUSTEE | Trustee (individual) Service code 20 | — | $9K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | — | $9K |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN INSURANCE CO | 845 | $123K |
| Vision | EYE MED | 2,211 | $53K |
| Life insurance | GUARDIAN INSURANCE CO | 845 | $123K |
| Other | GUARDIAN INSURANCE CO | 845 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.