| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $117K | $20 | $117K | 2.30% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $70K | — | $70K | 1.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $12K | $34K | 18.63% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $959 | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.11% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | 721 EMERSON ROAD SUITE 500 ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 572 | 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) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 572 | $5.1M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $192K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 572 | $5.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $18K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.