| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 3.36% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 7.64% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $4K | $14K | 15.53% |
| CT SOULTIONS3 | 3660 SOUTH GEYER ROAD SUITE 200 ST LOUIS, MO 63127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | ADVANTICA INSURANCE COMPANY | $992 | — | $992 | 9.00% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $212 | $89 | $301 | 15.40% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.4M |
| Dental | DELTA DENTAL OF MISSOURI | 261 | $94K |
| Vision | ADVANTICA INSURANCE COMPANY | 218 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $92K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $94K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $92K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.