| 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 | — | $44K | 1.85% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 1065 EXECUTIVE PARKWAY SUITE 220 ST LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $13K | $193 | $13K | 0.55% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | UNION SECURITY INSURANCE COMPANY | $7K | $10K | $17K | 11.85% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 12.30% |
| CT SOULTIONS3 | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.88% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53 | $85 | $138 | 21.77% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 175 | $2.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 184 | $163K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 175 | $2.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $112K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $634 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $112K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.