| 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 | $43K | $43K | 1.18% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 4.49% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $41K | $14K | $54K | 13.33% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| DAVID MURPHY3 | 1716 HIDDEN CREEK CT. ST. LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY | $87 | — | $87 | 0.02% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $24K | — | $24K | 8.51% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $8K | $49K | 22.24% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 18.25% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | $11K | $26K | 15.42% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 8.21% |
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 | 1,825 | 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) | 1,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 640 | $4.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,045 | $408K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 1,045 | $408K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 1,825 | $168K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $219K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,825 | $168K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 1,825 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,825 | — |
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.