Welfare broker

CORNERSTONE BROKER INS SERVICES

Mailing address (most recent filing)

2101 FLORENCE AVENUE

CINCINNATI, OH 45206

Total comp: $858K
Commissions: $644K
Fees: $215K
Filings: 90
Sponsors: 90

Carrier mix

Where CORNERSTONE BROKER INS SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY27.3%
UNITEDHEALTHCARE INSURANCE COMPANY18.2%
SUN LIFE ASSURANCE COMPANY OF CANADA9.1%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA9.1%
FIDELITY SECURITY LIFE INSURANCE COMPANY9.1%
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY9.1%
CENTERSTONE SOLUTIONS9.1%
ANTHEM LIFE INSURANCE COMPANY9.1%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	3	$979K	27.3%
UNITEDHEALTHCARE INSURANCE COMPANY	2	$3.7M	18.2%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$220K	9.1%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$4K	9.1%
FIDELITY SECURITY LIFE INSURANCE COMPANY	1	$689K	9.1%
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY	1	$544K	9.1%
CENTERSTONE SOLUTIONS	1	$624K	9.1%
ANTHEM LIFE INSURANCE COMPANY	1	$987K	9.1%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
OH	4	$3.5M	0.0%	2.81x
KY	2	$1.4M	0.0%	3.58x
KS	2	$225K	0.2%	24.49x
TX	1	$544K	0.0%	1.52x
MO	1	$209K	0.0%	1.62x
AZ	1	$1.9M	0.1%	7.81x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CORNERSTONE BROKER INS SERVICES's plans by broker comp / premium ratio. Median 8.50% vs welfare-wide median 6.29% (n=11).

Prospect-flag exposure · vs market baseline

Share of CORNERSTONE BROKER INS SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-11 of 11 sponsors where CORNERSTONE BROKER INS SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CAMCO CHEMICAL COMPANY INC CAMCO CHEMICAL COMPANY	KY	$987K	$63K	ANTHEM HEALTH PLANS OF KY, INC.
HARDROCK CONCRETE PLACEMENT CO., INC. HARDROCK CONCRETE PLACEMENT CO., INC GROUP WELFARE PLAN	AZ	$1.9M	$63K	UNITEDHEALTHCARE INSURANCE COMPANY
THE CORKEN STEEL PRODUCTS COMPANY THE CORKEN STEEL PRODUCTS COMPANY WELFARE BENEFIT PLAN	KY	$407K	$56K	PRINCIPAL LIFE INSURANCE COMPANY
PORT TERMINAL RAILROAD ASSOC. EMPLOYEE BENEFIT PLAN TRUST PORT TERMINAL RAILROAD ASSOC. EMPLOYEE BENEFIT PLAN TRUST	TX	$544K	$54K	FAIR AMERICAN INSURANCE & REINSURANCE COMPANY
FREESTORE FOODBANK, INC. FREESTORE FOODBANK, INC. EMPLOYEE BENEFIT PLAN	OH	$1.8M	$37K	UNITED HEALTHCARE
KEMBA CINCINNATI CREDIT UNION, INC. KEMBA CINCINNATI CREDIT UNION, INC. EMPLOYEE BENEFIT PLAN	OH	$689K	$35K	FIDELITY SECURITY
TOWNE PROPERTIES ASSET MANAGEMENT CO., INC TOWNE PROPERTIES ASSET MANAGEMENT LIFE AD&D	OH	$363K	$31K	PRINCIPAL LIFE INSURANCE COMPANY
AMERICAN DIRECT PROCUREMENT AMERICAN DIRECT PROCUREMENT, INC. EMPLOYEE BENEFITS PLAN	KS	$220K	$31K	SUN LIFE ASSURANCE COMPANY OF CANADA
JR & CO., INC. JR & CO	MO	$209K	$20K	PRINCIPAL LIFE INSURANCE COMPANY
JOHNSON WELDED PRODUCTS, INC. JOHNSON WELDED PRODUCTS, INC. CAFETERIA PLAN	OH	$624K	$8K	CENTERSTONE INSURANCE AND FINANCIAL SERVICES
CENTRINEX LLC CENTRINEX AD&D AND LIFE PLAN	KS	$4K	$537	GUARDIAN