| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP | 721 EMERSON RD., STE 500 ST LOUIS, MO 63141 | HCC LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $520K |
| HCSC EIN 36-1236610 CONTRACT ADMIN | Claims processing Service code 12 | — | $427K |
| CAREMARK EIN 95-3382344 CONTRACT ADMIN | Claims processing Service code 12 | — | $25K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CONTRACT ADMIN | Claims processing Service code 12 | — | $10K |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,822 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,076 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 671 | $161K |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 254 | $13K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 418 | $139K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 254 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
No prospect flags tripped on this filing.