Form 5500 · Employee benefit plan · ST. LOUIS, MO
CORNERSTONE EMPLOYER SOLUTIONS, LLC
The filing calls this plan THE CORNERSTONE EMPLOYER SOLUTIONS HEALTH & WELFARE PLAN.
CORNERSTONE EMPLOYER SOLUTIONS, LLC of ST. LOUIS, MO insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ASSUREDPARTNERS OF MISSOURI LLC. Coverage is written through HEALTHY ALLIANCE LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-1197332 · plan 502 · plan year 2024, filed Apr 21, 2026
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1,182 other employer plans in Missouri have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 17 insured contracts covering health, dental, vision, life and disability; the largest, with HEALTHY ALLIANCE LIFE INSURANCE COMPANY, covers 1,326 people.
Reported premium across the insured contracts is $18,817,859, with $1,237,386 in disclosed broker commissions — about 6.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
ASSUREDPARTNERS OF MISSOURI LLC is the broker of record on 6 of the 17 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including HEALTHY ALLIANCE LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, HUMANA HEALTH PLAN, INC. and UNITEDHEALTHCARE INSURANCE COMPANY. HEALTHY ALLIANCE LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE COMPANY | Health | 1,326 | Jan 1, 2025 | $12,421,136 | $448,170 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 2,539 | Jan 1, 2025 | $1,509,733 | $338,254 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 2,881 | Jan 1, 2025 | $1,909,328 | $217,607 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 370 | Oct 1, 2024 | $146,841 | $44,525 |
| HUMANA HEALTH PLAN, INC. | Health | 96 | Oct 1, 2024 | $905,986 | $36,095 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 525 | Jan 1, 2025 | $885,630 | $34,881 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 742 | Oct 1, 2024 | $95,134 | $27,375 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 482 | Oct 1, 2024 | $87,631 | $25,707 |
| HUMANA INSURANCE COMPANY | Health | 91 | Oct 1, 2024 | $579,639 | $23,089 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 452 | Jan 1, 2025 | $126,374 | $19,294 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 517 | Jan 1, 2025 | $73,371 | $11,192 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 753 | Jan 1, 2025 | $75,109 | $11,101 |
| HUMANA INSURANCE COMPANY | Health | 0 | Oct 1, 2024 | — | $101 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 0 | Oct 1, 2024 | — | $50 |
| THE DENTAL CONCERN, INC. | Dental, Vision | 0 | Oct 1, 2024 | $105 | $46 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 82 | Jan 1, 2025 | $1,842 | $0 |
| HUMANA HEALTH PLAN OF TEXAS, INC. | Health | 0 | Oct 1, 2024 | — | $-101 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
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