| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 68127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $44K | $159 | $44K | 2.29% |
| C T SOLUTIONS3 | 3660 S GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 16.47% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 N MARKET ST STE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.05% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 11.82% |
| CT SOULTIONS3 | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| THOMAS E OMEARA3 | 100 SOUTH BRENTWOOD BOULEVARD SUITE 500 CLAYTON, MO 63105 | PRINCIPAL LIFE INSURANCE COMPANY | $588 | — | $588 | 2.34% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD STE 200 ST LOUIS, MO 63127 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 6.91% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51 | — | $51 | 10.08% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 168 | $1.9M |
| Dental(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 175 | $162K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 168 | $1.9M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $145K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2 | $1K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $120K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.