| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 1065 EXECUTIVE PARKWAY STE 220 SAINT LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $47K | $3K | $50K | 1.68% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 631271223 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 4.59% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S. GEYER RD. SUITE 200 ST. LOUIS, MO 63127 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $6K | $50K | 17.03% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 7.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.74% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD. SUITE 200 ST. LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| SONUS BENEFITS - MENGEL, SURDYKE, M3 | 3660 S. GEYER RD. SUITE 200 SAINT LOUIS, MO 63127 | EYEMED | $5K | — | $5K | 10.58% |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 256 | $3.5M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 293 | $260K |
| Vision | EYEMED | 657 | $44K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $292K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $292K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $292K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.