| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 SOUTH GEYER ROOAD SUITE 200 ST LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $35K | $7K | $42K | 3.36% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $5K | $14K | 21.47% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 11.47% |
| CT SOULTIONS3 | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.43% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 68127 | ADVANTICA INSURANCE COMPANY | $978 | — | $978 | 10.50% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $66 | $45 | $111 | 16.69% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 86 | $1.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 210 | $87K |
| Vision | ADVANTICA INSURANCE COMPANY | 158 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $67K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3 | $665 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $67K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.