| 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 | $25K | $25K | 0.89% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $53K | $11K | $63K | 14.33% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY | $36K | — | $36K | 8.10% |
| DAVID J MCCLELLAN3 Filed as: DAVID G BOYKIN | 4 IVANHOE WOODS CT KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY | $579 | — | $579 | 0.13% |
| DAVID MURPHY3 | 209 PULLMEN PLACE, #100 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 5.35% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $24K | $875 | $25K | 11.92% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 7.28% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 24.67% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 16.13% |
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 | 1,433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 433 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 939 | $441K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 939 | $441K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 1,433 | $207K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $188K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,433 | $207K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 1,433 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,433 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.