Welfare broker

CORNERSTONE-CBISA

Mailing address (most recent filing)

2101 FLORENCE AVENUE

CINCINNATI, OH 45206

Total comp: $98K
Commissions: $78K
Fees: $20K
Filings: 5
Sponsors: 5

Carrier mix

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

HUMANA INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUMANA INSURANCE COMPANY	1	$2.4M	100.0%

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
KY	1	$2.4M	0.0%	19.70x

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-CBISA's plans by broker comp / premium ratio. Median 4.91% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CORNERSTONE-CBISA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NKY CHAMBER MINING, CONSTRUCTION & MANUFACTURING SUB-ASSOCIATION, LTD NKY CHAMBER MINING, CONSTRUCTION & MANUFACTURING SUB-ASSOCIATION, LTD GROUP HEALTH BENEFIT PLAN	KY	$2.4M	$119K	HUMANA HEALTH PLAN, INC.