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Sponsor portfolioWelfare / HealthEIN 38-1443369
CORNERSTONE UNIVERSITY
1001 EAST BELTLINE AVENUE NE · GRAND RAPIDS, MI 49525
6169495300
- Plans filed
- 6
- Years active
- 2016–2025
- Industry
- NAICS 61
- Latest filing
- 2025
Total premiums (latest)
$2.8M
No prior year
Persons covered
482
No prior year
Total participants
243
No prior year
Plans filed
6
No prior year
Plans under this sponsor
6 plans
Plan #509$2.8M
CORNERSTONE UNIVERSITY HEALTH AND WELFARE BENEFIT PLAN
Mixed482 covered·4 carriers
Primary: BLUE CARE NETWORK OF MICHIGAN
Plan #506$2.3M
CORNERSTONE UNIVERSITY MEDICAL PLAN
Fully insured436 covered·2 carriers
Primary: BLUE CARE NETWORK OF MICHIGAN
Plan #503$147K
CORNERSTONE UNIVERSITY DENTAL PLAN
Fully insured477 covered·1 carrier
Primary: DELTA DENTAL OF MICHIGAN
Plan #504$32K
CORNERSTONE UNIVERSITY GROUP LIFE INSURANCE PLAN
Fully insured213 covered·1 carrier
Primary: UNUM LIFE INSURANCE COMPANY OF AMERICA
Plan #505$32K
CORNERSTONE UNIVERSITY GROUP LONG-TERM DISABILITY PLAN
Fully insured213 covered·1 carrier
Primary: UNUM LIFE INSURANCE COMPANY OF AMERICA
Plan #508$26K
CORNERSTONE UNIVERSITY VISION PLAN
Fully insured181 covered·1 carrier
Primary: STARMOUNT LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Other | $2.8M | 33.0% | |
| Health | $2.7M | 31.8% | |
| Prescription drug | $2.7M | 31.8% | |
| Vision | $126K | 1.5% | |
| Life | $78K | 0.9% | |
| Long-term disability | $78K | 0.9% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 382359234 | HRxOth | $2.6M | 91.9% | 1 | 1 | 395 |
EIN 382069753 | HRxVOth | $126K | 4.5% | 1 | 1 | 482 |
EIN 042381280 | LLTDOth | $101K | 3.6% | 1 | 2 | 233 |
Broker overview
3 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| KEVIN D. CUMINGS | STERLING HEIGHTS, MI | BLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN | $92K | $0 | $92K | 78.7% | 1 |
| BROWN & BROWN INSURANCE SERVICES | TROY, MI | BLUE CROSS BLUE SHIELD OF MICHIGAN, UNUM INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA, BLUE CARE NETWORK OF MICHIGAN | $15K | $6K | $21K | 18.0% | 1 |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC | ATLANTA, MA | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 3.3% | 1 |
History & trajectory
10 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan