| 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 | $28K | $28K | 0.52% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $36K | — | $36K | 6.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $55K | $15K | $70K | 12.78% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY | $55K | — | $55K | 10.00% |
| EDWARD DALE MERACLE3 | 1716 HIDDEN CREEK CT. ST. LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| DAVID MURPHY3 | 1716 HIDDEN CREEK CT. ST. LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY | $19 | — | $19 | 0.00% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 3.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $11K | $63K | 22.36% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 17.96% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 3.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $16K | $9K | $25K | 13.36% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATORS | 111 W JEFFERSON STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 7.87% |
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 | 1,821 | 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) | 1,821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 773 | $6.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,375 | $547K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 1,375 | $547K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 1,821 | $191K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 451 | $283K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,821 | $191K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 1,821 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,821 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.