| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | GUARDIAN | $20K | $9K | $29K | 9.24% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GRP | PO BOX 419151 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $8K | 10.90% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD., STE. 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.04% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD. STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.70% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GRP | PO BOX 419151 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 12.37% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD. STE. 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.38% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GRP | PO BOX 419151 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 11.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD STE 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.87% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.75% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GRP | PO BOX 419151 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD., STE. 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.92% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD., STE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $640 | $113 | $753 | 3.74% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GRP | PO BOX 419151 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $480 | $2K | 13.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD., STE. 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $678 | — | $678 | 5.39% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD. STE. 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377 | $274 | $651 | 5.18% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,061 | $3.4M |
| Dental | GUARDIAN | 523 | $316K |
| Vision | GUARDIAN | 523 | $316K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 677 | $445K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 523 | $392K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 678 | $389K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 677 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.