| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $118K | $4K | $122K | 3.02% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUNLIFE ASSURANCE COMPANY OF CANADA | $47K | $37K | $85K | 13.56% |
| MURPHY, THOMAS GERARD3 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUNLIFE ASSURANCE COMPANY OF CANADA | $12 | — | $12 | 0.00% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 631271223 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 4.53% |
| CT SOLUTIONS DBA SONUS BENEFITS4 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $4K | — | $4K | 19.16% |
| JEFFREY W JANSEN4 | 1620 GAYLA DR QUINCY, IL 62305 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $531 | — | $531 | 2.61% |
| UNIQUE BENEFITS GROUP INC4 Filed as: UNIQUE BENEFITS GROUP INC. | 7 CAPOZZI CIR WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $166 | — | $166 | 0.82% |
| ALAN ROMAN4 | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $90 | — | $90 | 0.44% |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 344 | $4.4M |
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 431 | $625K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 431 | $625K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 431 | $625K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 431 | $625K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 431 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.